vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-04 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
I reviewed my consumer credit report and Vystar is reporting the bank account as a charge off with an outstanding balance. There are two faults caused by the bank that have affected me negatively and caused me financial harm. 

1. I closed this account inside the bank several years ago. Vystar actually gave me money back upon closing the account out. Without my knowledge or consent Vystar reopened the bank account and continued to process transactions. I was not notified until I found the debt on my credit report. 

2. After Vystar refused to rectify their wrong doing i eventually paid the outstanding amount althogh I was reluctant to do so. I walked inside of an Vystar branch on XXXX XXXX in XXXX, FL and paid the amount that Vystar stated I owed although Vystar credit the negative balance. Vystar refuses to remove the debt from my credit report. A balance is still showing owed. 

I contacted Vystar by phone and the representatives advised me to contact a third party collection agency to get it removed. I was very confused as I did not pay a third party agency and I was never notified that an third party agency took over the debt. 

I am out of money, my credit is being negatively affected all due to this large company treating me like nothing!

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 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express account ending XXXX. 
On XX/XX/2021 I requested that this account be closed and the reward dollars transferred to my other Amex account ending in XXXX. 
Amex closed this account and forfeited the reward amount of {$540.00}. 
They said this was the terms of the contract and the rewards could not be transferred. 
On XXXX XXXXXXXX XXXX PST i spoke to AMEX agent XXXX  XXXX ID # XXXX and she said she would see that this problem would be resolved. 
I subsequently received a letter from AMEX stating that they could not do anything becuse of the contract language. 
I wrote letter to AMEX-Customer Service XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX. 

I would like to receive the rewards balance in this account when it was closed. AMEX should have contacted me and let me know of the problem so that I could have used the reward dollars before the account was closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: CO

Complaint narrative:
We lost our home in a wildfire. This was a federally declared disaster. Cardinal Financial holds our Mortgage Loan. All insurance proceeds checks are made out to Cardinal Financial, as well as us. We have endorsed all checks and forwarded them to Cardinal. On XXXX XXXX XXXX we mailed our most recent insurance check to Cardinal. They have not returned our money to us. We understand their need to hold the amount of our loan, but these funds are above and beyond that amount. Cardinal is delaying are ability to move forward on our rebuild. We have written to Cardinal on XX/XX/ asking them to release the funds. We called and asked for the funds on on that date and also on XXXX XXXX XXXX  We spoke to a supervisor named XXXX in the Loss Draft Department. She said to write a letter of request which we did. We still have had no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-04 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: CA

Complaint narrative:
I tried to fix this problem with XXXX XXXX XXXX XXXX Experian and XXXX I disputed this for paid in full or off of my credit report for fraud XXXX XXXX XXXX agreed to all the credit bureaus that the information was correct about me being a cosigner and on credit acceptance buyer declaration the terms and agreements were suppose to be on point but it's not the reason why saying this is if I told you I was the cosigner and all the three credit bureaus said it's correct about me being the cosigner why is my signature under the buyer and not under cosigner that seems fraudulent to me and needs to be on my account as paid or remove it off for 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 explanation
Consumer complaint received 2023-03-04 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:
I tried to fix this problem with XXXX XXXX XXXX TransUnion XXXX and XXXX I disputed this for paid in full or off of my credit report for fraud XXXX XXXX XXXX agreed to all the credit bureaus that the information was correct about me being a cosigner and on credit acceptance buyer declaration the terms and agreements were suppose to be on point but it's not the reason why saying this is if I told you I was the cosigner and all the three credit bureaus said it's correct about me being the cosigner why is my signature under the buyer and not under cosigner that seems fraudulent to me and needs to be on my account as paid or remove it off for 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 2023-03-04 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: CA

Complaint narrative:
I tried to fix this problem with XXXX XXXX XXXX XXXX XXXX and Equifax I disputed this for paid in full or off of my credit report for fraud XXXX XXXX XXXX agreed to all the credit bureaus that the information was correct about me being a cosigner and on credit acceptance buyer declaration the terms and agreements were suppose to be on point but it's not the reason why saying this is if I told you I was the cosigner and all the three credit bureaus said it's correct about me being the cosigner why is my signature under the buyer and not under cosigner that seems fraudulent to me and needs to be on my account as paid or remove it off for fraud

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Blackhawk Network Holdings Inc.
State: MI

Complaint narrative:
Purchased a {$200.00} XXXX XXXX gift card. Went to XXXX to make a purchase in the amount of {$190.00} and it was declined. I called the gift card company and they told me that there is a limit and I can only spend {$100.00} of the available {$200.00}. I asked to speak to a supervisor and the supervisor told me that XXXX is not an approved merchant. I informed him that this is a universal XXXX XXXX  gift card and should be accepted wherever XXXX XXXX is accepted. He told me that I was wrong and that he would send me a list of approved merchants. He never sent me a list of approved merchants and I read the terms and agreement on my gift card and there is no such limitation of the amount or list of approved merchants. It states the card can be used wherever XXXX XXXX is accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I reviewed my consumer credit report and XXXX is reporting the bank account as a charge off with an outstanding balance. There are two faults caused by the bank that have affected me negatively and caused me financial harm. 

1. I closed this account inside the bank several years ago. XXXX actually gave me money back upon closing the account out. Without my knowledge or consent XXXX reopened the bank account and continued to process transactions. I was not notified until I found the debt on my credit report. 

2. After XXXX refused to rectify their wrong doing i eventually paid the outstanding amount althogh I was reluctant to do so. I walked inside of an XXXX branch on XXXX XXXX in XXXX, FL and paid the amount that XXXX stated I owed although XXXX credit the negative balance. XXXX refuses to remove the debt from my credit report. A balance is still showing owed. 

I contacted XXXX by phone and the representatives advised me to contact a third party collection agency to get it removed. I was very confused as I did not pay a third party agency and I was never notified that an third party agency took over the debt. 

I am out of money, my credit is being negatively affected all due to this large company treating me like nothing!

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 2023-03-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On or about XX/XX/XXXX I had a credit limit of {$1200.00} with Citibank, NA, i.e., Citi credit card and made a significant payment of about {$900.00}. Almost immediately Citi informed me it was reducing my credit limit to {$500.00}. As a result of this I knew my credit score would be negatively affected as it would unfairly show I was using more than 90 % of my credit limit when in reality my payment would otherwise indicate that I was only using about 30 % of my credit limit. This action by Citi of which I attempted to be corrected by explaining the unfairness of the situation and the negative consequences on my credit score which is vital to me in securing housing in the near future, was met by Citi with absolute indifference and callous regard to my situation. Ive always paid my credit card account with them on time and this is the thanks I get. Please help, I dont want to be forced to live in my car. Thank you for your support.

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 2023-03-04 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Cornerstone Holdings, Inc.
State: AK

Complaint narrative:
To whom it may concern : Both  my children were enrolled in the XXXX XXXX XXXX XXXX in XXXX Alaska From XXXX until XX/XX/XXXX. I paid consistently and on time twice a month. At the beginning of XXXX I put in a request for termination of service. I also received assistance for Child Care from the military as I am an XXXX XXXX XXXX. They paid a portion and I paid my normal XXXX on the XXXX and XXXX .. this was automatically took out of my bank account.. first week of XXXX my XXXX was deducted from my account. The children ended their time at XXXX XXXX on the XXXX. There should not have been a balance due at this time. XXXX XXXX proceeded to tell me I owed another XXXX. I argued with them that was false and showed them the record where I paid the first half of XXXX. Everything is pre pay! I had to pre pay them for them to start. They insisted I owed them more money. I agreed to pay half even though it was completely unfair and robbery but they said no. The bank even told me they had other clients with the same issue from this business. 
XXXX XXXX sent this bill to collections. I am currently XXXX in the XXXX XXXX with limited access to email and phone. I received the collection while in country with a notice saying if I did not dispute this account by XX/XX/XXXX I would have to pay in full, seeing as today is the XXXX and I just received the letter that is impossible. I would like to hold this company responsible for trying to over charge me and as well as the collection agency for the harshness of not being able to dispute while I am XXXX to a foreign country. 

any help or insight you can provide would be greatly appreciated! I am not sure what else to do. I know I have the right to see the justification for the charge but how and why does it make sense for me to pay a full month child care when my children were only in attendance for 2 weeks and I was instructed it would be prorated. If I was going to have to pay the full amount I would have left them in attendance for the full month Please excuse the harshness of this email as I am upset and already have a lot of stress in the environment I am in. I apologize if it sounds harsh. 

Please help Collection agency : Cornerstone Credit Services LLC Ref number XXXX Also they are trying to charge me interest when I am on a delayed timeline being overseas with limited access!! 

Very Respectfully, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: Upstart Holdings, Inc.
State: TX

Complaint narrative:
There seems to have been an account opened for Upstart under my name. My identity has been compromised in the XXXX and XXXX security breach as well as others. 

I am not liable for this debt with Upstart and I do not have a contract with them. They have not provided me with the original application like I asked. This should be removed from my credit report account : XXXX. They have no reason to be reporting this on my credit report. Please have them delete this record from all credit agencies. I am a XXXX Combat Veteran of the war in XXXX. I am battling serious health issues and do not need this causing me further duress and injury. I need peace in my life. Please have them resolve this in a compassionate manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 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: RI

Complaint narrative:
These companies ran my credit without my knowledge 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

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 2023-03-04 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: NJ

Complaint narrative:
There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX, XXXX XX/XX/2022 XX/XX/2022

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 2023-03-04 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: NJ

Complaint narrative:
There is information that is on my consumer report that is the result of identity theft. I did not provide written permission or instructions for the identified transactions to be reported on my consumer report. 
The identified transactions are not information related to any transaction by me as the consumer : XXXX XXXX, XXXX XXXX/XXXX/2022 XXXX/XXXX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
On XXXX  I attempted to open an account at Citizens to receive a promotion and use the account for some basic banking. The online opening failed while I was in the funding process and an error displayed to call in or go to a branch. 

I called a local branch and they didnt offer help, they referred me to call in. There hold times are over 20 mins so I had to request a call back. The person told me my account did open, although I received no email confirmation. She told me I could enroll in online banking. 

That didnt work after multiple tries and I had to again call support, wait for call back and get credentials created. 

I said I just wanted to close it because it wasnt even remotely working. I was told I couldnt until my funding transaction from my debit card had to posted. I attempted to set up an external account so I could transfer my funds as soon as it posted, but that didnt work because I appeared to have profile in their back end from an account years ago. More phone calls and told I had to call back after the transaction posted. 

Nobody would reverse my funding and close my account. 

This morning I received an error that my account isnt available in online banking or app. 

This has been the greatest display of incompetence Ive ever seen. This bank is not able to deliver their advertised products and services. By looking at XXXX you can see countless similar issues encountered.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-04 00:00:00
Product: Money transfer, virtual currency, or money service — Debt settlement
Issue: Fraud or scam — 
Company: GOLDMAN SACHS BANK USA
State: OR

Complaint narrative:
I called my bank and asked them to do a balance transfer on my Apple credit card in the amount if {$2600.00} on XXXX. The transaction was processed on XXXX yet the transfer did not reflect on my Apple credit card. I called on XXXX to find out why. The representative told me to wait a few more days for it to post. I called again on XXXX since the credit still has not posted. The representative told me Apple does not support balance transfers. She filed an internal complaint on my behalf and told me it could take anywhere from 10 to 30 days before anything happened. It has already taken nearly a month and Apple has still not applied the credit to my account. Because of that I am still accruing finance charges and having to make monthly payments on a balance for which funds were received. Yet in order for the transaction to have posted to my lower rate credit card with my bank, Apple had to have received the funds. How can my bank send them payment for the debt and Apple accept the monies and still collect finance charges and payments for it???

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XXXX XX/XX/XXXX, I sent a letter to US Bank inquiring about the processes for 100 % XXXX Veterans and their Mortgages. 

I was told once US Bank verified the 100 % XXXX Veteran status with the XXXX XXXX XXXX 's office they'd conduct an Escrow Analysis. I sent them the Certificate as well from XXXX XXXX XXXX XXXX XXXX. 

US Bank received my Tax bill for XXXX in XXXX and conducted an Escrow Analysis. But my XX/XX/XXXX was still {$1000.00}. XXXX 's payment was reduced to {$790.00}. However, XXXX 's payment is {$960.00}. Upon conducting the Escrow Analysis, US Bank sent me a check for the Escrow overage. 

Upon contacting US Bank on XXXX XXXX XXXX, 30 minutes on the phone still did not yield me any answers as to why my mortgage payment keeps changing. 

I was told I'd receive a phone call within 48 hours. To date, no one from US Bank has contacted 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 2023-03-04 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act the following accounts have 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 XXXX. XXXX XXXXXXXX : 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 XXXXXXXX XXXX XXXX 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 non-monetary relief