vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: TX

Complaint narrative:
My father in law purchased a bunch of gift cards at once. This was a Visa Vanilla gift cared. All of them had {$50.00} on it but one, the one he purchased for my daughter. I called to get the issue fixed and get reissued another card. I had no problems getting ahold of someone at first. I sent them all of the information they requested. That was sent on XX/XX/XXXX. I was given the case # XXXX. I tried emailing to touch base on XX/XX/XXXX, XXXX XXXX ( from my work email ), XX/XX/XXXX, and the last one was sent on XXXX XXXX. I have tried calling several times. Every time I called I either kept getting transferred and the call dropped or they gave me different numbers to call and the calls wouldn't go through. 
I know this is only {$50.00} but that is still a pretty substantial amount of money to just throw away. All we are wanting is a replacement gift card or just a refund for my father in law. I have all the information you should need if I need to send anything to you. I have also attached the sticky note I wrote information on regarding contact information. The email that is written on there is the one I was given to send the information to. I was told I can also email for updates if need be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: CT

Complaint narrative:
I have contacted trans union on multiple occasions and submitted disputes about the reporting of a car loan that was included on a XXXX XXXX bankruptcy. Yet it still shows active on my account and is now effecting my ability to purchase a house. I have sent letters and called but their only response was it wasnt included in your bankruptcy.

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 2023-03-16 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Freedom Mortgage Company
State: AL

Complaint narrative:
Freedom Mortgage sent me a projected escrow analysis in XXXX notifying me that my payments were increasing over {$700.00} a month. They claimed based on their analysis my escrow had a shortage and they projected I would owe {$10000.00} from escrow along with a current shortfall. I am XXXX. I filed homestead exemption and my actual tax is {$1200.00} a year. My home is insured at XXXX XXXX and my insurance is {$2000.00} a year. They also take {$51.00} a month for mortgage insurance. Theis is {$3800.00} not XXXX. When I started reviewing the statements there are all sorts of phony withdrawals that when I ask them to explain they stated that occurred before the loan transferred to Freedom. So the customer service rep was rude, arrogant and more or less said they are paying the bills sent to them without investigating the source and passing the charges to me. I cant do anything else. I should not have too. I have statements from my insurance and tax stating what I really should owe from my escrow. Someone is stealing and I have multiple unexplained phony withdrawals from my escrow account and can not get acceptable answers.

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 2023-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Blackhawk Network Holdings Inc.
State: UT

Complaint narrative:
XXXX XXXX XXXX XXXX myprepaidcenter.com states that once activated " it can be used EVERYWHERE VISA is accepted. '' Come to find out this is not true. The statement made on their website is false! 

I tried to use it to pay for my hotel room they would not accept it even though they accept Visa in the same thing with our breakfast. 

I would simply ask that this agency require this site to change their literature to accepted " MOST '' places visas accepted. 

Or for XXXX to reimburse in cash or debit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: DC

Complaint narrative:
Opened new savings account in late XXXX with min $ XXXX deposit as advertised. Failed to receive an {$800.00} bonus after the maximum 82 day waiting period. Notified Citi many times. I think many other bank depositors are suffering the same problem as I was just finally told there is a backlog. This seems to be an intentional deceptive national practice that allows Citi to earn interest on customer money illegally. I suggest that an investigation be opened immediately.

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: OK

Complaint narrative:
I would like only One name and address on my consumer reports

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 2023-03-16 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: TX

Complaint narrative:
Transunion is reporting fraudulent and erroneous 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 non-monetary relief
Consumer complaint received 2023-03-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL
State: OH

Complaint narrative:
Ashley Furniture HomeStores/SYNCBis u nder violation of the law, according to the letter from a previous dispute. Under 15 U.S. Code 6802 - Obligations with respect to disclosures of personal information, A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the c
onsumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

The term nonaffiliated third party means any entity that is not an affiliate of, or related by common ownership or affiliated by corporate control with, the financial institution, but does not include a joint employee of such institution.

The term affiliate means any company that controls, is controlled by, or is under common control with another company.

Ashley Furniture HomeStores/SYNCB states in the letter that the account was charged off and placed with XXXX XXXX XXXX XXXX XX/XX/2021. 

Ashley Furniture HomeStores/SYNCB later states in the letter that the debt has not been

discharged. This is unfair and inaccurate reporting.
The debt should not be showing as " charged-off '' on my consumer report.

Subsequently, creditors are obligated by law to report fairly and accurately to the consumer agencies under the FCRA.

" We will continue to report the status of your account to credit bureaus '' " Since Synchrony Bank has not discharged this debt, a Form 1099-C has not been issued. " SYNCB completely disregards the law from the IRS and the FCRA.

Please remove this account as being " charged-off '' from my consumer report.

SYNCB has an obligation to follow policies and procedures under the FCRA. The letter shows that the communication to XXXX XXXX XXXX, that they are in clear violation of FCRA and uses unfair debt collection practices.

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 2023-03-16 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account 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.

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 2023-03-16 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX account 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: TrueAccord Corp.
State: MD

Complaint narrative:
XXXX XXXX sold my information to TruAccord without written consent. This is in attempt to collect a debt that is reporting in various companies on 3 different reports. However, the policy reads as follows. 

We collect personal information to provide our services. We do not sell personal information. If you are a business contact, most of the information we have was provided to us by you or your organization and/or collected directly through the use of our website. If you are a consumer in collection, most of the information we have is provided to us by the current creditor and/or collected directly through the use of our services, emails, web applications, and phone calls. If you are an applicant or employee, most of the information we have was provided to us by you through the application or employment process. For more details on how we use, share, and delete personal information see our Privacy Policy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: CA

Complaint narrative:
On XX/XX/22 I sent a dispute letter to EQUIFAX via certified mail and return receipt notifying them that there was a fraudulent account reporting on my credit report and they were to remove it immediately as it was causing me and my reputation severe harm. This account is XXXX XXXX ending in XXXX.EQUIFAX did not comply. I then filed and sent EQUIFAX an FTC Identity Theft Report on this account and attached a copy of my ID, a copy of my social security card and a copy of a bill showing my address. Pursuant to 15 U.S.C. 1681c-2 of the Fair Credit Reporting Act, EQUIFAX had 4 business days to remove the fraudulent account from my consumer credit report. They complied this time. It was then REINSERTED and stated that EQUIFAX " verified the account was accurate ''. I then sent EQUIFAX a SECOND FTC Identity Theft report and aforementioned accompanying documents. EQUIFAX continues to report the fraudulent XXXX XXXX account ending in XXXX. In order for EQUIFAX to " verify an account is accurate '', they are to- BY LAW- send me an Affidavit of Verification signed and sworn under oath that the account is in fact accurate. They failed to do so. I have lawfully done everything I needed to exercise my federally protected consumer rights and EQUIFAX continues to violate my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SECURITY FINANCE CORP
State: AL

Complaint narrative:
I have had a payday loan with Security Finance for last year NEVER LATE NEVER missed a payment, due 3rd each month. I have social security solo income. I had a large household unexpected issue come up before first I called Security Finance, told them unable to make payment this month get with them XXXX. They have called 3 times since asking if could get payment ( {$100.00} ) and almost demanding, saying company policy I drive in to discuss. I told them I notified and have 4 times now and nothing changes for me to " go in discuss!! Nothing different if I go in!! They are bullying and it is no way to do legitimate business!! They should NOT have right to BULLY people!! 

They are absolutely hateful!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: GA

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. 

Account Name : XXXX XXXX XXXXccount Number : XXXX Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX has violated my rights. Or the list of inquiries 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 an 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 or 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
XXXX. I am unable to get my XXXX credit report. This has been a persistent problem. 
XXXX. My Equifax credit report shows a drop in my credit score of XXXX points even though there has been no negative reporting on my report. 
XXXX. My XXXX account shows no update to my XXXX and XXXX credit scores since XX/XX/XXXX. 
XXXX. My XXXX account shows no update to my Equifax credit score since XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: Bright Capital Inc
State: GA

Complaint narrative:
The company does not offer card consolidation at all. You don't find that out until after you connect your financial information to their platform. 

There is no live customer service as advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: 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 158 USC 1681. 

XXXX # XXXXXXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX  # XXXX XXXX XXXX  # XXXX XXXX XXXX XXXX  XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: GA

Complaint narrative:
XXXX got something on my credit report that don't suppose to be there {$170.00} I don't know anything about this the address is XXXX XXXX XXXX XXXX XXXX, UT XXXX //// THEN ITS XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX SAY I OWE THEM {$3700.00} I don't know anything about this .//// And XXXX & XXXX XXXX XXXX XXXX, XXXX TN XXXX day I own them its crazy I don't owe know them nothing {$2300.00} I think they say I need off my report asap and the wrong names and addresses

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 2023-03-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I would like only One name and address on my consumer reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Exeter Finance, LLC.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an openend consumer credit plan as late for any purpose. 

Please remove any latte payments from my credit report for the following : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting Act this creditor, has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604A section 2 it also states that a consumer reporting agency can not furnish an account without my written instructions. Under 15 USCS 1666B a creditor may not treat a payment on a credit card account under an openend consumer credit plan as late for any purpose. 

Please remove any latte payments from my credit report for the following : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-16 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: KY

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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

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 2023-03-16 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: TX

Complaint narrative:
On XX/XX/2023 - I applied for a Cit Advantage Platinum Select Card after receiving an advertisement while checking out of an American Airline purchase. The advertisement specifically mentioned that I could use the card to " Pay Today '' and received a " {$200.00} '' statement credit and receive XXXX bonus miles. 

After following the advertisement, it was clear the bonus miles were dependent on a {$2000.00} in purchases during the first few months- which this ticket should qualify towards and I submitted the application and received approval. 

However, despite contacting Citi several times using there web-chat, phone, and escalating to a manger ; Citi representatives indicated there was no way to get temporary card numbers needed to " Pay Today '' and that I would have to wait for the physical card to be received 7-10 days later.

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