vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Pleased remove all fraud alerts and extended fraud alerts XXXX : # XXXX  # XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX Experian:XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : XXXX XXXX. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-03-28 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: CA

Complaint narrative:
On ( XX/XX/2023 ) 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
Consumer complaint received 2023-03-28 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: NC

Complaint narrative:
My name is XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-03-28 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: CREDIT ACCEPTANCE CORPORATION
State: NV

Complaint narrative:
Greeting, I was illegally swindled into a sub-prime loan situation by a predatorial organization that utilized a used car dealership inorder to drain people bank accounts by raising the rates and percentages on previous signed contracts and agreements without my consent as the buyer and consumer. Once I found out I returned the vehicle to local destination for recovery whom was an affiliate of the seller that processed the illegal repossession for Credit Acceptance Corporation. I drove the vehicle there myself in order to squash this illegal encounter without getting a refund yet the record was supposed to been cleared long ago! 
Please be advised that Credit Acceptance Corporation was a criminal organization that even got caught trying to steal the vehicle after my initial purchase the XXXX as I was making monthly payments on time. 
This atrocious behavior by said companies has caused so much grief in my life over the past 7 years Credit Acceptance Corporation should be paying me for all punitive damages and the illegal loan interest rates plus hidden fees. 
For what I understand today is that the Justice Department is working on bringing that illegal operation and monstrous activities to an abrupt halt. 
After I submit this proof I request that my credit report be cleared as I was told that this issue was removed already long ago. 
Please update my credit report by removing this fictitious accusation against my name at this time. 

Here 's a link where you may do your own homework on Credit Acceptance Corporation daily operations ; https : //www.consumerfinance.gov/about-us/newsroom/cfpb-and-new-york-attorney-general-sue-credit-acceptance-for-hiding-auto-loan-costs-setting-borrowers-up-to-fail/ ___________________________________________________________ Thank you in advance for your time and attention in this most important urgent matter. 

Sincerely

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 2023-03-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
In mid XX/XX/XXXX, I opened and deposited more than {$75000.00} into a Citi checking account after being promised by the promotion that I will receive {$1000.00} by early XX/XX/XXXX. However, the bonus has not been received yet. 

How did I try to resolve this with them? 
I called Citi in mid XXXX to ask why I have not received the bonus yet, and was being told I would be qualified for the {$1000.00} bonus because I did all the required activities, and they would open an investigation for me, which would take 7 business days to be processed. After the 7 business days, I still have not received the bonus, so I called again on XX/XX/XXXX. This time, Citi said the information given to me that it would take 7 business days to be processed is wrong, and it would actually take 40 business days now. 

At this point, I've been manipulated by Citi, and it feels like a scam.

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 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Credit card company forcing arbitration
Company: DISCOVER BANK
State: GA

Complaint narrative:
On XX/XX/XXXX I found out by checking my account that Discover Card had replaced a {$4000.00} charge back on my card which had been disputed. They initially gave me a credit for the {$4000.00} in XXXX and I heard nothing more. When questioned, they said it went to arbitration and was found to be valid. They didn't see where I had provided any documents. I had no idea it went to arbitration. 

I did upload the limited documents I had ( maybe a web page issue ), since the merchant had closed the portal showing my messages when I attempted to copy them for the credit card company. Discover Card never contacted me about documents, knowing full well that for a {$4000.00} dispute, I would have uploaded what documented I had. 

I explained this on XX/XX/XXXX, but Discover Card refused to reopen the investigation. Therefore, I have this huge credit utilization increase without any warning and an arbitration I knew nothing about.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 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 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 15 U.S.C. 1681s-2 ( A ) ( 1 ) 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 explanation
Consumer complaint received 2023-03-28 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: CA

Complaint narrative:
On XX/XX/XXXX, I contacted TransUnion regarding accounts that are reporting incorrectly. As of today, they have not responded or fixed the issue. The following accounts are in question : The information presented on the account XXXX XXXX XXXX ( Date Opened : XX/XX/XXXX, Balance : {$5600.00} ) needs to be investigated. Moreover, I know the original creditor XXXX XXXX XXXX XXXX CA, but I have not been contacted by XXXX XXXX XXXX. The Balance amount of {$5600.00} is inflated and inaccurate. I do not recognize this amount and I believe I owe a lower amount. Because of these inaccuracies, I dispute the whole account and I insist that you verify the following dates : Date Opened and Date of First Delinquency. 

The information presented for the account XXXXXXXX XXXX XXXX ( Date Opened : XX/XX/XXXX Balance : {$140.00} ) is also inaccurate. I bear in mind that the original creditor on this account is a distinct company XXXX XXXX XXXX than the one you indicate. You present erroneous information about the Balance of {$140.00}. You report a higher Balance than the amount I suppose I owe. The problem is that this information is far from truth and I dispute this account, and I also claim a verification of Date Opened and Date of First Delinquency.

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 2023-03-28 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: NC

Complaint narrative:
On ( XX/XX/2023 ) 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
Consumer complaint received 2023-03-28 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Block, Inc.
State: WV

Complaint narrative:
I sent a sum of XXXX BTC to an account owned by my girlfriend, which is administered by CashApp. CashApp locked those funds due to a transaction limit, and instructed her to return the funds to me. 

However, when she attempted to do so, CashApp denied her access to the funds and claimed that her PIN was invalid. She logged in to change the PIN, and tried again. CashApp once again invalidated her PIN. This has made our issue impossible to resolve and locked up a significant portion of our life savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Pleased remove all fraud alerts and extended fraud alerts TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

XXXX : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

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 2023-03-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Pleased remove all fraud alerts and extended fraud alerts XXXX : XXXX XXXX XXXX XXXX EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING XXXX. 

Equifax : FRAUD VICTIM. 'EXTENDED ALERT '. CONSUMER HAS REQUESTED AN ALERT BE PLACED ON THEIR CREDIT FILE.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: GOLDMAN SACHS BANK USA
State: RI

Complaint narrative:
So I have GM card with Marcus : by Goldman Sachs and I use there card rarely, however, I did have over {$750.00} worth of points I had earned over years, and I wanted to redeem {$280.00} towards a statement credit I had for a purchase of {$1300.00} I had made so I did the redemption, and they didn't redeem my credit balance, but took my points from me, I have called and gotten the run around, I saw where they used my {$280.00} rewards towards old statements from like XX/XX/2022, towards items I had already paid for, You can see on the Image attached they used my points toward previously paid items. 
Nobody has been able to assist me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Applied for a new credit card with Citibank back in XX/XX/2022. The promotional terms were if you spent {$4000.00} in XXXX months, you would receive XXXX citi points ( thank-you points ) in your account. 

There was an error in the system, and the card was sent to the wrong address so it was returned to sender. After going back and forth why my card never arrived, they finally figured out the wrong address was in the system. It took several calls to figure what the reason was, as no one would talk to me due to security reasons. A manager finally determined a work-around ( weeks later ) to get access to my account. I even had to pay the annual fee in person at a store since they wouldn't take my payment over the phone due to account security reasons. When the card finally arrived ( two months later after applying ), I only had a few weeks left in that three month window to obtain the promotion. I called customer service and explained that my window was now short, and they assured me to wait it out and when I do hit the threshold, to call back to get the points. I reached the minimum amount a few weeks later and when calling back, I was told I missed the window. I only had the card for a total of six weeks when I reached the minimum spend for the promotion ( which was three months advertised ). When I called customer service back, they said someone should have told me I got a two week extension. To make matters worse, the date that I reached the minimum spend missed their 'extension ' by only a few days. No one told me that when I called initially ; all that was said was to just 'call back when I reach the minimum spend ' and then they should take care of it. No Due to an error in the system for the wrong address, I only had the card six weeks before I reached the minimum spend for the promotion, yet was told they wouldn't honor it. Several mis-communications, frustrations, and mis-informings from the company 's side over a three month period and super unprofessional. The last communication I had was after I closed the account due to my frustrations. I was told that since the account was closed, they wouldn't honor it. Irony is I closed it because I was told there was nothing they could do for me earlier so why have an account open for an unprofessional company? I tried one last time to no avail. 

All of my current and future clients will know to avoid Citibank.

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 2023-03-28 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: SC

Complaint narrative:
I previously submitted a complaint against XXXXXXXX XXXX  on XX/XX/XXXX. That complaint was closed but I didnt get to address the additional inaccuracies based off response the company provided. 

The company stated that they charged off mine and my spouses loan account on XX/XX/XXXX and subsequently sent to collections with XXXXXXXXXXXX XXXX XXXX XXXX who we also hve submitted a complaint on. 
Subsequently by definition means forwarded to collections after it was charged off however we have court documents dated XX/XX/XXXX filed by XXXX XXXXXXXX XXXX on behalf of XXXXXXXX as the law firm. And dated on XX/XX/XXXX they submitted an affidavit for attorney fees again in that document it states Law firm for XXXX. 

We hve been repeatedly sued for default judgements because of the tactics XXXXXXXX XXXX XXXX uses to ensure no show appearances which we even have documented proof for that now as well. 
XXXX has 2 amounts reported on credit bureaus {$940.00} and {$1500.00} for balances when charged off but court documents filed on behalf of XXXX by XXXXXXXX XXXX XXXX reflect different amounts. We hve actually paid this debt off but still cant get documentation from XXXXXXXX XXXX XXXX who continues to garnish and claims havent received payments from clerks office but clerks record shows paid in full. 
Since XXXX stated they gave XXXX XXXX account for collections but XXXX XXXX XXXX is filing and garnishing on behalf of XXXX which deters from the separation of the two places we require better answers and credit reports to be updated or at this point remove. We are prepared to pursue legal action at this point since continued garnishments and misinformation being provided by XXXX and 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 non-monetary relief
Consumer complaint received 2023-03-28 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I applied for a HELOC at Bank of America on XX/XX/2023. On XX/XX/2023 I decided to cancel my application during a recorded conversation and followed up in writing with an email. The following day I received a response from my Home Service Specialist to confirm my request and furthermore that I would be receiving a letter confirming this in about 10 business days. See attached emails. 

Instead of sending me an official letter stating my cancellation, on XX/XX/2023 I received an Adverse Action Letter ( see attached ) dated XX/XX/2023 which is 6 days AFTER the date of cancellation. Bank of America is not being honest, truthful or ethical.

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