vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: CITIBANK, N.A.
State: CT

Complaint narrative:
I made a reservation at a kennel for our dog, but a week prior to the booking we were forced to cancel plans because of illness. I texted the merchant, because I was told texts were the preferred means of communication. I informed her of the cancellation, and she thanked me. Subsequently, and without informing me, the merchant in question ( XXXX XXXXXXXX XXXX XXXXXXXX ) charged {$250.00} to our card as a deposit fee. My card details were on record from a previous transaction, but were not approved for this transaction. The only communication was by text and I did not receive notice of the charge until my cc statement arrived. I requested a refund but they would not refund any portion. Their claim was that this was the policy during school holidays. The week in question was not a school holiday. 

I opened a dispute with Citicard. I provided documentation of cancellation as requested, in the form of the text exchanges with the merchant. I was subsequently told that Citi could not resolve the issue in my favor because I had not provided valid proof of cancellation. I followed through with a phonecall to Citi 's Dispute Resolution Team and was told they received my documentation but would not consider it valid, but could not say anything further, even when I told them that text messages were generally admissable in courts, so I was confused by their denial.

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 2022-07-20 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: DE

Complaint narrative:
I receive on a semi-regular basis my FICO Score and any updates to my credit from Eperian.com via email. I was looking for a balance transfer card which Experian offered many options. So I clicked on the credit card section just to view rates and fees for the various products. I DID NOT fill out any applications or submit any of my personal information. 

Now I am getting, in the mail and by email, loan rejections from companies I have never heard of nor would ever even consider for my needs. So far I have received more than 5 " sorry we can't approve your loan at this time '' letters and emails. 
I called each of the companies and they all gave me the same response, " Did you go on any Experian website? '' I told them I had but never applied for anything. They agreed I hadn't applied and they added, '' Experian will " push my personal information to the companies listed on their website without telling you ''. None of these companies nor Experian had my consent to do so. Now companies I have never heard of, the list grows almost daily, of having my personal information to do who knows what with. How is Experian allowed to use either " stealth '' tactics or some use of personal information buried soo deep no one can find it. I personally feel my privacy and my right to choose who I do business with have been seriously violated and placed me in a precarious situation with all of my information out on the internet because Experian thought this was a good idea. I am not interested in their " use of this site ... '' allowing them to do certain things. I don't give out my information unless I know the company or service. Experian has stripped me of my right to protect my sensitive personal information.

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 2022-07-20 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: Bread Financial Holdings, Inc.
State: CO

Complaint narrative:
On XX/XX/2022, I made an online payment of XXXX to Comenity Bank for my XXXX, XXXX credit card. On XX/XX/2022, XXXX Bank ( my bank ) processed that payment, and the payment was taken out of my account that day. I confirmed this with my bank. However, the payment isn't showing up on the Comenity Bank credit card. It's also not showing up as a pending payment, so I called Comenity on XX/XX/2022. They said it was showing up on their " backend '' and that they would make sure the payment showed up on my account by XX/XX/2022. It's now XX/XX/2022, and the payment is still not showing up on my account. I called today, and they said the payment may not post for 90 days. Even though they confirmed they could see my payment on their " backend, '' it might not credit to my account for 90 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Loan sold or transferred to another company
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
I had a loan with SunTrust Bank, they merged with BB & T into a bank called Truist. I have been unable to make any arrangements for payment, get questions answered about the account, or had any response from my requests by them. 

Their customer service representatives are not friendly, do not help and put you on hold for very long periods of time. The business appears to respond to complaints with XXXX with a form letter and don't address the issues directly. https : 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 2022-07-20 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: KEYCORP
State: OR

Complaint narrative:
At the change of the year XXXX our payment amount changed because of a change in the escrow amount, but my account was set to auto withdraw from my bank account. When I received alert that it was delinquent ( by a nominal amount ) we contacted the bank and were given a solution which involved moving excess money that they held in escrow onto the payment, and we were told this was the solution. It was still reported to credit agencies as a late payment and has significantly impacted my credit score. My actual payment was never late, and we followed the instructions given by the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: MD

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX account XXXX, XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX  account XXXX, XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX  account XXXX, XXXX  account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX account XXXX, XXXX account XXXX, has violated my rights. 

15 U.S.C 1681 604 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2. It also States a consumer reporting agency 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 2022-07-20 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: MD

Complaint narrative:
In accordance with the fair credit reporting act, XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX account XXXX, XXXX XXXX account XXXX XXXX XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXXd account XXXX, XXXX XXXXXXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX XXXX XXXX account XXXX, XXXX account XXXX, XXXX XXXX  account XXXX, XXXX account XXXX, XXXX XXXX XXXX  account XXXX, XXXX XXXX account XXXX, XXXX XXXX account XXXX, XXXX XXXX XXXX XXXX  account XXXX, XXXX account XXXX, has violated my rights.

15 U.S.C 1681 604 A. States I have the right to privacy.

15 U.S.C 1681 604 A section 2. It also States a consumer reporting agency can not furnish an account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: Credit Management Control, Inc.
State: MN

Complaint narrative:
My credit report reflects a balance of XXXX owed to credit management cntrl. This balance is from a company called XXXX XXXX which I previously rented from. I attempted to dispute this with XXXX XXXX and they would not return my call. It then went to collections. I spoke with XXXX once in XXXX requesting an itemized list of what damages they were claiming. I never received said list and allowed it to go to court so I could dispute the charges there. The initial amount that went to court was in the XXXX dollar range. I apologize I don't have the exact amount in front of me, but even with the court costs it was under XXXX even with the court fees. I was able to get XXXX XXXX to correct the amount owed in court to what I actually owe which is XXXX ; we settled in court and set up a payment plan of XXXX per month beginning on XX/XX/XXXX. I contacted Credit Management Control today at XXXX and spoke with XXXX again. I requested she adjust my credit report to the correct amount. She is refusing to do this. She is intentially leaving the incorrect amount of XXXX on my credit report even though she has received the court documents showing the amount owned is XXXX. ( She read these documents to me over the phone, so she clearly has them. ) I requested to know who to file a complaint with and she initially stated she did not know just that they were governed by the federal government. I asked to speak with her supervisor and she stated her supervisor is the owner and refused to give any contact information for her supervisor. She stated she would give him a message. I asked if I would receive a call back and she stated she really did not know. I told her I would continue to call back daily until I spoke to a supervisor. She laughed and stated she didn't care how many times I called back, she would be certain I am always dealing with her. After continuing to argue with her she finally informed me I could try to file a complaint with CRPB. What are my rights as a consumer. I exercised my right to take this to court, was able to settle the debt for what should have been the initial amount in the beginning, but the credit reporting agency is refusing to correct my account. I am fine if they want to leave the balance on my credit until the debt is paid, but is should most certainly be the correct balance which this XXXX clearly has in front of her. Please advise what I can do to get my credit report corrected.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Name of Card Company : Synchrony Bank XXXX XXXX XXXX XXXX, XXXX XXXX Dollar amount of error : Current balance Description of problem : This account was opened XX/XX/XXXX for {$4900.00} on a 24 month deferred/no interest account. On XX/XX/XXXX I set up an automatic payment account for {$210.00} to be paid each month for 23 payments to pay off the account. The first payment was sent on XX/XX/XXXX and payments were sent each month after that on a continuous basis. I reviewed the payments each month on my bank account to be sure they were going out but did not review the CareCredit account as I felt that assuring that the payments were being made in a timely fashion was adequate. I became aware of an issue when I received an email advising of a late payment after the date when the account should have been paid off. After review and discussing this issue with several CareCredit representatives I was advised that my first payment arrived on XX/XX/XXXX but the first payment was not due until XX/XX/XXXX. The first payment was not credited to my first due date. Instead my SECOND payment which arrived around XX/XX/XXXX - XXXX was credited to the FIRST due date of XX/XX/XXXX making my payment 2 days late as opposed to 27 days early and a late fee was assessed on my account. This same method was followed each month which resulted in accumulating 23 late fees for payments that were made approximately 27 days early each month. I have challenged the late fees and therfore when the 24 months were up on the account, the company back charged me for interest from the beginning of the account. Had the payments been correctly accounted for, the entire amount would have been paid off in XX/XX/XXXX and no late fees or interest should have been charged. 

I contacted Synchrony Bank on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. On each occasion, no one would give me their complete name or employee ID number. Each time I called, the person answering the phone said they had no authority to resolve this issue. Each time I requested their supervisor. The supervisor repeated the statement that they had no authority to resolve my issue. When I asked to speak to someone who could resolve the issue they said there was no one who could do that and refused to transfer me. 

I then sent a certified letter to Synchrony on XX/XX/XXXX which was picked up XX/XX/XXXX. I have not received a response to date. 

I am attaching a copy of the letter I sent, the approval of the account, a document showing where I set the account up for payment, and a recent notice from Synchrony Bank with the current amount they claim is now owed on the account due to late fees and back calculated 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 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: LEXISNEXIS
State: CO

Complaint narrative:
LexisNexis sent me a letter saying 1 negative report added to my file. I checked all credit bureaus and they are fine. Called LexisNexis to obtain my report. XXXX kept telling me I could not have my report even though I have their consumer ID # for me and theyre case number. She kept saying she needed my SS # DOB Drivers License # etc.. I verified my mailing address which they already have but would not give my personal information. XXXX will not provide MY report and would not let me speak with a supervisor. Ive never authorized LexisNexis to obtain information on me nor have I authorized any company to use them. They are trying to get my personal information I believe for fraudulent purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: FL

Complaint narrative:
I received a response from LCI dated XX/XX/22 in regards to an alleged bankruptcy record. LCI stated that " FCRA does not require a furnisher to obtain a consumer 's permission to share publicly available information with CRAs ''. However ; this claim is false in accordance with 15 U.S. Code 1681b ( 2 ) which requires " Written instructions of the consumer to whom it relates ''. In this case LCI used " Non-public personal information '' to obtain an alleged record from XXXX. While the law does allow you to obtain the record, it prohibits the transfer, or sharing of this information to a " Consumer 's Report '' without " Permissible Purpose ''. I am requesting that LCI provide me in writing the " Permissible Purpose '' for which it shared such information using my " Personal Information '' to TransUnion. I did not give LCI written instructions to transfer this alleged record to TransUnion for reporting to my consumer report. Secondly, as the " Data Furnisher '' I am requesting in accordance with 15 U.S. Code 1681i investigation for the " Completeness and Accuracy '' of this alleged record. If LCI contests the statement from The Deputy In Charge XXXX XXXX of The United States Bankruptcy Court ( Page 7 ) who has certified that the courts " Do not report filings to CRAs/Data Furnishers '' , please do so in writing. Please be advised that XXXX  is " Contestable '' and can not be used as the " Validating Source ''. Nor can it certify the " Completeness and Accuracy '' of a record. I am requesting that LCI ( Data Furnisher ) sends all relevant information to the courts regarding my dispute and provide me in writing of the courts " Validating '' response. Lastly, in accordance with 15 U.S. Code 1681i ( 6 ) ( a ) ( iii ) I am demanding the description of the procedure used to determine the " Completeness and Accuracy '' of this record. Please provide me the Name, Address, and Phone number of the agency you contacted. Please note that TransUnion has already certified on page ( 2 ) of this dispute that " XXXX '' was used to verify this record, which violates 15 U.S. Code 1681i.

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