vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
ear Sir/Madam, My name is XXXX XXXX XXXX XXXX I am Citizens customer. 
I am writing this email to complain about the Citizens bank to reject my claim of {$500.00} bonus that I believe I am entitled to. 
Citizens bank posted promotion on ( XX/XX/year> - XX/XX/year> ). Please check out the flyer copy in attachment. According to their promotion if customer opened a saving account and deposited {$10000.00} and keep it for XXXX consecutive months, they will get {$500.00} bonus. 

On XX/XX/year>, I went to XXXX XXXX XXXX XXXXXXXX, MA XXXX and XXXX of the branch XXXX introduced me to the promotion program and helped me opened a new saving account ( last XXXX account number XXXX ) and I deposited {$10.00}, XXXX in it. Since then the money has been kept in the account and it has been morn than XXXX consecutive months. 

But after the XXXX months, Citizens bank refused to pay me the {$500.00} bonus and they claim that I did not opened the checking account at same time which is not mentioned on the flyer and the branch XXXX as well. 

I have called their customer service ( XXXX ) multiple times and went to the branch at XXXX XXXX XXXX XXXX XXXX XXXX as well. The branch XXXX still believe that I am entitled to the bonus and the branch XXXX XXXX also opened a case number : M-F XXXX for this. 

But the Citizens bank 's customer service still rejected my claim. 

I think the Citizens bank is cheating costume. 

Please help me to get this issue resolved. 

Thank you very much for your time. I can be reached at XXXX if there is any question. 

Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to formally lodge a complaint against Synchrony Bank and Living Spaces, where I was offered the credit card, for issues related to unexpected interest charges applied to my account and the lack of adequate notification regarding the terms of a promotional offer. 

When I signed up for their credit card at XXXX Spaces in XX/XX/XXXX, I was not made aware of the XXXX deadline for a promotional " no interest '' offer. Despite diligently making regular payments to reduce my principal balance and having no late payments, after the promotional period expired in XX/XX/XXXX, Synchrony Bank applied interest retroactively to the entire purchase amount. Since then, I have been incurring additional interest not only on the remaining principal but also on the large amount of interest that was added post-promotion. This situation has resulted in me paying interest on top of interest, which has significantly increased my financial burden. 

Moreover, I have experienced repeated difficulties accessing my electronic statements due to errors on Synchrony Bank 's website, which has been the only method provided by the bank to alert me of changes in my account status. This has significantly hindered my ability to manage my account effectively. Please see a screenshot of synchrony bank errors when trying to access my statements. 

In response to this situation, I have paid my account balance in full as of today to prevent further accrual of unfair charges. Despite my efforts to resolve this matter through customer service, including a conversation with XXXX XXXX, the Customer Service Accounts XXXX, I was informed that nothing could be done to address my concerns. This response is unsatisfactory and has compelled me to seek assistance from your agency. 

I believe that Synchrony Bank, in partnership with XXXX Spaces, has not provided adequate communication regarding the terms of their promotional offer and has failed to provide accessible and reliable customer service to address errors and concerns. I am requesting your assistance in investigating this matter, and I hope for a resolution that includes the refund of all retroactively applied interest charges, given the circumstances of poor communication and technical issues on their part. 

Thank you for your attention to this matter. I am looking forward to your support in resolving this issue. 

Sincerely, XXXX XXXXXXXX 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 2025-01-04 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: FL

Complaint narrative:
I never gave no one permissible purpose to pull my consumer report. The following inquires are identity theft please remove : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/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 explanation
Consumer complaint received 2025-01-04 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: FL

Complaint narrative:
I am listing accounts and inquiries below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. 

I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts and inquiries has hurt my ability to obtain credit. 

Items that need attention : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Changes in loan terms during the application process
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
Name of the loan servicer : Mr Cooper According to Mr Cooper, all calls are recorded. No transcripts have been provided. 
XX/XX/XXXX Receive Loan Modification Acceptance documents XX/XX/XXXX contact Mr Cooper to discuss and ask questions XX/XX/XXXX Signed acceptance of loan modification XX/XX/XXXX returned the signed Loan Modification Acceptance documents XX/XX/XXXX New modified payment is available on Online account for payment XX/XX/XXXX Online Mr Cooper Account reflects no change to account status and reflects non-payment. New Modification Payment is made by phone. Credit score impact observed. 
XX/XX/XXXX Mr Cooper contacted to address issue, no resolution, requested escalation. No escalation initiated. 
XX/XX/XXXX Online Mr Cooper Account reflects no change to account status and reflects non-payment. New Modification Payment is made by phone. Credit score impact observed. 
XX/XX/XXXX4 Online Mr Cooper Account reflects no change to account status and reflects non-payment. New Modification Payment is made by phone. Credit score impact observed. 
XX/XX/XXXX Online Mr Cooper Account reflects no change to account status and reflects non-payment. New Modification Payment is made by phone. Credit score impact observed. 
XX/XX/XXXX Online Mr Cooper Account reflects no change to account status and reflects non-payment. New Modification Payment is made by phone. Credit score impact observed. 
XX/XX/XXXX Online Mr Cooper Account reflects no change to account status and reflects non-payment. New Modification Payment is made by phone. Credit score impact observed. 
XX/XX/XXXX Online Mr Cooper Account reflects no change to account status and reflects non-payment. New Modification Payment is made by phone. Credit score impact observed. 
XX/XX/XXXX Contacted Mr Cooper, discussed issue and no resolution provided. Requested escalation, escalation was to be initiated. 
XX/XX/XXXX Contacted Mr Cooper to return call. Mr Cooper rep indicated that case was not escalated until XX/XX/XXXX. I asked who regulates Mr Cooper, Rep does not know. Rep indicated that as of today the Underwriting dept has started to investigate. Credit score still under negative impact.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-06 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: TX

Complaint narrative:
I have tried to fix this issue by reporting this inaccurate information. These affect my personal life & cause me XXXX XXXX. I have not been able to purchase my dream car and provide for my family due to these inaccurate and fraudulent items showing on my consumer reports. They do not belong to me, I did not consent to any of this information to be reported on my consumer report. I'm a victim of identity theft. I have attached my letter along with the FTC report. If this situation is not handled accordingly, I will seek legal action against you guys.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: DC

Complaint narrative:
Mohela has been sending me bills and statements that reflect accrued interest since XX/XX/year>. After reaching out to them about fraudulent billing and them withholding access to information about my loans, they responded to me on XX/XX/year> and confirmed that they have not managed my loans since XX/XX/year> and that my loans were transferred to XXXX XXXX. They continue to bill me with paper bills and state that they are accruing interest on loans that are in forbearance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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:
On XX/XX/year>, I looked at my report. I sent a letter to TransUnion on XX/XX/year> asking them to reinvestigate these accounts : XXXX XXXX XXXX XXXX,, and this is my tracking number : XXXX On XX/XX/year> they sent me their investigation and said these accounts were complete and accurate. 
I looked at my report and noticed everything was the same, then on XX/XX/year> I sent another letter with tracking number XXXX, requesting a description of the methods they used to verify the account, which they did not respond to, and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( il ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 
and according to 15 USC 1681eb they are supposed to ensure this b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

And according to 15 USC 1681s-2 this os suppose to happen ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer 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 2025-01-04 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: SC

Complaint narrative:
[ Your Name ] [ Your Address ] [ City, XXXX, Zip Code ] [ Phone Number ] [ Email Address ] [ Date ] [ Credit Bureau XXXX ] [ Credit Bureau XXXX ] [ City, XXXX, Zip Code ] Re : Letter to remove XXXX XXXX XXXX to whom it XXXX concern : I received a copy of my credit report and found the following item ( XXXX ) to be in error : XXXX. The following personal information is incorrect XXXX : XXXX XXXX XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX  Account Number : XXXX Please investigate and delete from my credit report.. 

XXXX. Validate Account XXXX Account XXXX : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report. 

XXXX. Validate Account XXXX XXXX XXXX Account Number : XXXX Please investigate and delete from my credit report.. 

XXXX. Validate Account XXXX  Date of inquiry : XX/XX/year> Please investigate and delete from my credit report By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months Thank you for your time and help in this matter.

Sincerely, [ Your Name ] [ Your Signature ( if sending a hard copy ) ]

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 2025-01-04 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
To Whom It May Concern : I received a copy of my credit report and found the following item ( s ) to be in error : 1. The following personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX Case Number : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX XXXX XXXX Case Number : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX Account Number : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX  XXXX XXXX. 
XXXXXXXX XXXX Account Number : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX, XXXX  XXXX XXXX. 
MI XXXX XXXX Account Number : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX  Account Number : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX. 
XXXX Account Number : XXXX PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX By the provisions of the Fair Credit Reporting Act, I demand that these items be investigated and removed from my report. It is my understanding that you will recheck these items with the creditor who has posted them. Please remove any information that the creditor can not verify. I understand that under 15 U.S.C. Sec. 1681i ( a ), you must complete this reinvestigation within 30 days of receipt of this letter.

Please send an updated copy of my credit report to the above address. According to the act, there shall be no charge for this updated report. I also request that you please send notices of corrections to anyone who received my credit report in the past six months.

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 2025-01-04 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: CITIBANK, N.A.
State: FL

Complaint narrative:
2023 PURCHASED XXXX  XXXX XXXX XXXX FOR AC UNIT. TECHNICIAL NOT XXXX TO PERFORM CORRECT SERVICE. CHARGED {$39.00} XXXX PAID BUT XXXX FAILED HAD TO SECURE ADDITIONAL SERVICES DUE TO QUESTIONABL AND UNAVAILABLE TECHNICAL SUPPORT. HONE DEPOT HAD COMPKAINT BUT FAILED TO RESOLVE AND TO DATE IGNORES! SECOND ISDUE AT ABOUT SANE TINE XXXX XXXX LAWN MOWER. THIS XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX REQUEST AND FOUBD ISSUE i consider fraud. I repirted to XXXX XXXX hone deport but once again they ignore. XXXX ignore the state of fl dept of agriculture and to date will not respond. In favt they can even ignore you. XXXX SOME COBDUNER PROTECTION. XXXX XXXX XXXX XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Charged upfront or unexpected fees — 
Company: John C. Heath, Attorney at Law, PLLC
State: GA

Complaint narrative:
XXXX XXXX SS XXXX Lexington Law Matter  they did not provide service for my credit score and file but they charge me XXXX monthly to clear my credit file. But two months in any other were clean up on my credit file. My address at my old address was XXXX XXXX XXXX XXXX XXXX XXXX. New address is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
I am a paying customer of Equifax. I pay for this service. I am unable to log into my account and always get an error message to call customer care. Customer care says they will fix it and never do. Its been XXXX XXXX and they have not done anything. Please give me access to my online account effective immediately and refund me for my service as I am not getting what I paid for.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-04 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: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX, Michigan XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX  XXXX, IA XXXX Subject : Report of Data Breach Dear CFPB, I am writing to formally report a data breach that has affected my personal information. On [ insert date of breach ], I was notified that [ insert details about the company or organization involved in the breach ] experienced a security incident that compromised my sensitive data, including [ specify types of data exposed, e.g., Social Security number, financial information, etc. ]. 

As a result of this breach, I am concerned about the potential misuse of my information and the risks it poses to my financial security. I have taken steps to mitigate the impact, including [ mention any actions you have taken, such as monitoring your credit, placing a fraud alert, etc. ]. 

I am requesting that the CFPB investigate this matter and take appropriate action to ensure that consumers like myself are protected from such incidents in the future. 

Thank you for your attention to this important matter. I look forward to your response. 

Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation