vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-08 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: CarMax, Inc.
State: IA

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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: FL

Complaint narrative:
I have sent several letters to the credit bureaus and they have not given me an answer. I've been waiting more than 60 days for a response and they haven't. I have several negative accounts that are affecting me.

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 2022-06-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have sent several letters to the credit bureaus and they have not given me an answer. I've been waiting more than 60 days for a response and they haven't. I have several negative accounts that are affecting me.

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 2022-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
Citi bank sent me an email ( attached ) with offer of {$700.00} if I open a new checking account and maintain a balance of {$50000.00}, which I did. They still have not provided the {$700.00} bonus. 
I requested the bonus via chat and 2 phone calls. Both phone representatives agreed that I met the requirements. I received 2 letters ( attached ) rejecting my claim for the promotion bonus. Neither letter explains why Citi will not honor the solicitation of their bonus promotion. The chat confirmed I met the requirements. 
They enticed me to open a new checking account and deposit {$50000.00} for 60 days under false advertising.

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 2022-06-08 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: CITIBANK, N.A.
State: OH

Complaint narrative:
15 U.S.C 1681 Section 602 A. States I have the right to privacy.

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

15 U.S.C 1666b : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date.

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 2022-06-08 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act, XXXX. XXXX XXXXXXXX account # XXXX, XXXX XXXX account # XXXX, XXXX  XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXX  XXXX XXXX XXXX XXXX account # XXXX, CHILD SUPPORT XXXX XXXX account # XXXX, XXXX XXXX acount # 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 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 2022-06-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
I have had issues since opening my business account. I, XXXX XXXX, am managing the account for my relative, XXXX XXXX and listed as a co account holder. XXXX -- Chase Account number Issue 1 : I opened an account where if I maintained an average of {$500000.00} for 6 months I would receive a cash back bonus of {$3000.00}. At the time I opened the account the offer was not clearly explained and I did not know I needed to fund the account immediately. It is clear I could have waited up to 30 days after reading the fine print. So Chase was able to hold my funds and pay me XXXX interest for 30 days. These terms should have been communicated at the time the account was opened but I was not presented with any paperwork regarding this. Now I am concerned I will even receive an account bonus after the 6 months. Due to the history of non transparency from Chase/problems with ACH DEBITS, I have sent follow up emails and made calls regarding this, to mitigate further problems, but the terms of how Chase perceives this bonus are not clear to me. For example, if you review all the correspondence, I have continuously asked how someone can maintain a balance of {$500000.00} for XXXX months ; It is impossible unless there is no account activity. I have asked about the timeline and it has been communicated differently to me : some people have written/said 6 months from account opening or some have said it can be 180 days after the account has opened. 180 days from when? THIS IS NOT CLEAR. This is why all the terms and conditions for these types of offers in the industry state average balance. As a result, after leaving my funds in Chase for close to XXXX months and earning no interest, I have removed the funds to an interest bearing account pending the outcome of this potential dispute I have. Issue 2 : I was encouraged to participate in Chases ACH approve/reject debit process. I have sent tons of emails about this regarding how the process works and what the system does. I was told I would receive a notification to accept or deny ACH blocks each day. I did not receive this notification for XXXX XXXX and they were blocked from debiting my account. I was charged a return fee with interest totaling {$200.00} I am requesting interest from account opening XX/XX/22 at the promotional rate ( approx XXXX months ) {$1200.00} and the ACH return fees totaling {$200.00}. Total : XXXX. I also would like to continue participating in the promotion, ( as I was originally intending to do in good faith by depositing funds in full at account opening when I did not even need to ) and receive the balance of the {$3000.00} promotion once the reminder of the period has elapsed, XXXX months. So far I have received XXXX. Spoke with relationship manager XX/XX/XXXX via phone was told she would get back to me about these concerns did not hear back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, XX/XX/XXXX ( Original Creditor : XXXX XXXX XXXXXXXX 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 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 2022-06-08 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX XXXXXXXX ) ) 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 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 2022-06-08 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: AZ

Complaint narrative:
I got scammed by XXXX. It happened XXXX last year. I used Coinbase to convert dollar to XXXX to send to scammer. The scammer disappeared and my funds were lost. I contacted coinbase and tried to resolve. They weren't helpful. Hence i am filing the complaint. See attached letter for details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
On XX/XX/XXXX, I went to www.myfico.com to pull my credit reports before applying for an auto loan. I was able to pull all of them except Equifax because it said my information in their system didnt match. Ive never had that issue before and just thought it was a system glitch. The next day or so on XX/XX/XXXX I applied for an auto loan through XXXXXXXX XXXX XXXX Kentucky. They were able to pull my XXXX  and XXXX  scores but my Equifax file said no credit file found matching that info and the bank suspected fraud and denied my loan. I contacted Equifax on XX/XX/XXXX and was told there was some sort of internal hold on my file and that i needed to submit a copy of my drivers license along with a social security card or birth certificate and wait XXXX business days for it to be corrected. It has been almost 20 days and I nor any lender can access my credit file. This has caused me to be denied credit. I have called them and faxed information several times and NOBODY seems to know what the issue is. Every time they just keep saying send more documentation. This should be illegal for an agency to be paid to maintain a file on my financial history and I cant access it when I choose! When I get anyone on the phone they just give me the run around. Nobody is actually working on helping me figure out the issue. I am now in the process of figuring out how to take legal action. I have lost financing several times in the last few weeks because of this. I need serious help with this matter. Im literally on the phone with them as we speak and the agent hung up in my face.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: TN

Complaint narrative:
n accordance with the Fair Credit Reporting act Bankruptcy 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 instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 00:00:00
Product: Debt collection — Medical debt
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: Millco Management
State: FL

Complaint narrative:
This is a medical debt for which I receive countless calls regarding payment. This is not the original debt for this medical bill and services received. I had XXXX in XXXX which was paid for by my health insurance as deductibles were met. This bill should not have been accrued and this has been explained to the debtor and collections several times. They continue to say we will investigate and respond which has not happened. This debt reflecting on my credit is causing additional XXXX  and XXXX XXXX to my current situation. There have to be laws making this illegal to seek payment for inaccurate reporting.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: IL

Complaint narrative:
In accordance with with the Fair Credit Reporting act XXXX XXXX  account # XXXX, XXXX XXXX account # XXXX, XXXX XXXX XXXX account # XXXX and 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 602 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 2022-06-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OR

Complaint narrative:
My payments are made on the XXXX of each month by XXXX XXXX  arriving within 3 days yet every month Shellpoint sends me an e-mail around the XXXX stating my payment was not received. How is this possible? I have sent numerous letters to them including copies of my bank statement but they never respond back. They are the worst. They want to be paid thru " their '' on line system which I do not trust so I will continue to use my bank. Also, they keep stating I am a payment behind due to this months payment not being received? What is going on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Reporting Highest balance {$2600.00} limit on {$2600.00}, Refer to fee dispute under review.

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 2022-06-08 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Reporting Highest balance {$2600.00} limit on {$2600.00}, Refer to fee dispute under review.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Reporting Highest balance {$2600.00} limit on {$2600.00}, Refer to fee dispute under review.

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 2022-06-08 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 — Overcharged for something you did purchase with the card
Company: Chime Financial Inc
State: SC

Complaint narrative:
Chime banking has taken money out of my credit builder transactions without leaving a paper trail and double charging it but I have screenshots of it taking money out when I first do the transaction then it pending for XXXX days, then when it goes through it takes the same amount out in the same transaction a second time after pending when it took it out to start. On XX/XX/XXXX I made a {$40.00} gas transaction and it took it out, pended for 2 days and went through the XXXX where it took another XXXX out in the same transaction after pending. The same thing happened XX/XX/XXXX where I got gas at a different gas station for {$20.00} which it took out that day from my account and it pended until the XXXX where it took another of the same amount out for the same transaction. Then again Saturday XX/XX/XXXX I got gas for {$19.00} and it was pending until XX/XX/XXXX to where it took the money when I first made the transaction the XXXX and then again took it out a second time on the XXXX when it finished pending but didnt say anything was taken out though after it was I keep track of my account and my credit account went negative {$12.00} because I had {$6.00} and some cent left in my account to see if it would do it after it finished pending and it did which put me negative. Ive called and disputed all 3 times and didnt get the {$40.00} charge disputed the first time, they actually made a dispute about the {$20.00} one and the money came back in my account from that incident without a paper trail just as it was taken out and the {$19.00} is still in a pending dispute after a couple weeks now though I provided them with screenshots of how I caught what was happening and where it took the money out twice in the same transaction. Theyre leaving no paper trail of it either unless you catch it in your own account and know your balance. I was only able to do it so well because I have notifications turned on that shows it was taken out when I first made the transaction then screenshots of it doing it again without leaving a notification just from it going through and that much being taken out of my balance. ( It was for gas in my car all 3 times but from raceway and qt, 2 different stations. )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-08 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I contacted equifax, XXXX and XXXX XXXX XXXX times over the past 6 months to correct errors on my report. According to FCRA of 1970, 15 USC 1681-1681u I have a right to dispute and see HOW a agency VALIDATES the information. To date all three companies report these 4 accounts as verified and meets FCRA requirements. Yet not one will answer how they validated these accounts. Using the e-Oscar system is not a accurate way of verifying being the law states there must be a signed contract showing the consumer owes the debt in question. Because of three attempts to no proper correction I am now requesting the information to be IMMEDIATELY removed. 
The XXXX charged off accounts in question are : 1. XXXX XXXX XXXX reports co for past 2 years, no 1sXXXX delinquency date ; XXXX shows XXXX in payment history with last payment on XX/XX/XXXX ; equifax shows lates over past two years but XXXX in history and last payment date of XX/XX/XXXX. 
2. XXXX XXXX equifax shows XXXX lates despite showing XXXX and last payment on XX/XX/XXXX ; XXXX shows no lates XXXX with last payment XX/XX/XXXX ; XXXX shows this account in co since XX/XX/XXXX with no last payment date. 
3. XXXX XXXX XXXX shows 30 day late as of XX/XX/XXXX, XXXX shows last payment on XX/XX/XXXX and XXXX ; while equifax shows 100 % payment history with last payment XX/XX/XXXX. 
4. XXXX XXXX equifax reports 100 % on time payments with last payment XX/XX/XXXX ; XXXX shows XXXX XXXX history and last payment XX/XX/XXXX ; XXXX shows 3 day late in XX/XX/XXXX. 

These XXXX accounts showing different data violates my rights as a consumer when it comes to fair and accurate data. I asked three times how they validated these XXXX accounts to being ignored. I am now asking for them to be REMOVED. 

I am attaching copies of the last correspondence I sent, despite it saying XXXX each company received same letter.

Company response to consumer: Closed with explanation