vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-29 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: GA

Complaint narrative:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and XXXX XXXX. I am demanding these accounts to be removed as I did not authorize or open these accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
My name is XXXX XXXX, I have CITI checking account ending XXXX. I have an emergency to move the money from CITI to XXXX bank by the end of XX/XX/XXXX. There is something with the CITI XXXX banking that shows the incorrect available balance information in the checking account, see the attached PDF file for the transaction history showing the IT errors. On XX/XX/XXXX, it shows I have an available balance of {$31000.00}, so I initiated the {$20000.00} outbound transfer. However, the XXXX bank told me the transaction is rejected due to insufficient funds in my CITI checking account, which is not the case, as you can see from the transaction history, even after transferring the {$20000.00}, the available balance is still {$11000.00}, which is not negative balance. I think there is some IT issue with showing the correct available balance in my checking account, which causes me to transfer money more than I have in the account. In order to meet the deadline of XX/XX/XXXX, I have to send a wire transfer to the XXXX bank, but CITI charges me {$25.00} for the wire fee, which is not reasonable at all since if CITI has no IT problem, I no need to send the wire. I called CITI customer support and they told me the wire fee will be waived. But I don't see it happen.

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 2022-09-29 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: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
I, the consumer and natural person, received a credit limit decrease by SYNCHRONY BANK for my XXXX credit card ( Account Number Ending in : XXXX ). 

Adverse action against a consumer is AGAINST THE LAW according to the Equal Credit Opportunity Act which is codified in 15 U.S. Code .-1691c and is pursuant to civil liability under 15 U.S. Code .-1692. 

I have proof that I was discriminated against by SYNCHRONY BANK due to the response I received. SYNCHRONY BANK is in violation of 15 U.S. Code.- 1642, 15 U.S.Code .-1681m and 12 CFR 1002 because I, the consumer, made an application in good faith, but credit was decreased. 

Furthermore, because my social security number ( credit card ) was used and I received NO benefit. This is proof of fraudulent activity ( unauthorized use of credit card ) on behalf of SYNCHRONY BANK.

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 2022-09-29 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA, FDCPA and HIPAA laws and regulations. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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:
I pulled my credit report and noticed unauthorized accounts such as loans, credit cards, and medical services. I am demanding these accounts to be removed as I did not authorize or open these accounts.

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 2022-09-29 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: U.S. BANCORP
State: TX

Complaint narrative:
In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15usc 1681 section 602 state I have the right to privacy 15usc1681 section 604a section2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as LATE for any purpose.

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 2022-09-29 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: IL

Complaint narrative:
In accordance with the fair credit reporting act this creditor has violated my right under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604 section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666B a creditor may not treat a payment on a credit on a credit account under an open end consumer credit plan as late for any purpose.

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 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
A check i/a/o {$2200.00} has been debited to and cleared the payor 's account at Bank of America ( 8 weeks ago ) and still has not been credited to the payee 's ( my ) account also at Bank of America. All at various service departments at Bank of America agree that this was a bank check processing error ( see case # XXXX ). ( see also compliant # XXXX. ) However, no one at the bank seems to has the authority to correct this bank error. 

It is my understanding that a bank generally has ten business days to investigate an issue. The bank or credit union must correct an error within one business day after determining that an error has occurred. The bank then has three business days to report its findings to you.

If the bank or cant complete its investigation within ten business days, it must generally issue a temporary credit to your account for the amount of the disputed transaction, minus a maximum of {$50.00}, while it continues to investigate. 

The bank must then resolve the issue in 45 days. 

These time frames has long past and the credit has still not been made..

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 2022-09-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
On XX/XX/XXXX my phone and wallet were stolen. I called Chase Banks customer service number using my wifes phone to cancel my cards the next day because their customer service is not open at night. There was a fraudulent charge on my account in the amount of {$350.00} within the next day. I made a claim and received a provisional credit. I then had to purchase a new phone and cancel all my cards. The investigation came back and they reversed the charge on the XXXX. I called them backed on the XXXX and asked for a reason why they reversed the charge, they indicated that since I received a text message with the verification code and sent the money that it is not fraudulent. Well of course, I didnt have my phone. IT WAS STOLEN. I was going to get a supervisor on the phone to better explain the reason and mid transfer, the representative hung up on me?? Now Im out of {$350.00} and I can not get a proper justification on why I cant get my money back. 

Chase is not professional and clearly avoided any reasonable investigation. I did not make these charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-29 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: NC

Complaint narrative:
There is information thats on my credit report that I did not consent to and I did not provide written information or instructions for the identified transactions to be reported on my consumer report. I am requesting that the report of this information be blocked and deleted. My request to block is not being made in error ; nor is my request to block being made on the basis of a material misrepresentation of fact by me relevant to the request to block the identified transactions. The identified accounts are not information related to any transaction by me as the consumer : XXXX XXXX XXXX, XXXX XXXX, XXXX, US Dept of Education and XXXX XXXX. These transactions should be removed according to 15 U.S. Code 1681c-2. You are required to do what I am asking and block these transactions from being reported to my consumer report within 4 days from the date of the receipt of this notice. I look forward to your response. Thank you.

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 2022-09-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Movement Mortgage LLC
State: OR

Complaint narrative:
To start, my loan was a nightmare. I kept asking about the rising interest rates because I got an offer for a 4.5 % interest rate from another company and was told that Movement was still the way to go because the other included a hidden 1 % additional fee. I ended up getting locked in at 5.9 % on XX/XX/XXXX which was higher than the competitor even WITH the hidden 1 % fee when my lender went into " panic mode ''. I then found out it was really 5.99 %. I was told that XXXX did not exist, that it was a typo and I had signed the document with the 5.99 % on there ( I was told that signing the document was okay because it was not the " final '' version ). 

I ended up calling Movement Mortgage XXXX XXXX on XX/XX/XXXX to get the interest rate situation sorted out. She said she could do one of two things -- Movement would pay {$1000.00} towards the next lowest rate and I would have to pay the excess or they would pay {$1000.00} of my closing costs. I chose the {$1000.00} to the closing costs. I now get an email on XX/XX/XXXX that Movement had to extend my lock an extra day but that my realtor, XXXX XXXX, was taking care of the extra cost for that. 

I now get to the actual signing and the {$1000.00} off my signing is now only {$460.00} as the rest of it went to the extra day lock -- I had XXXX, the escrow officer of XXXX XXXX XXXX Movement to confirm that is where the money went. I have yet to get the remaining {$530.00} of the {$1000.00} promised to me from Movement that was already covered by my realtor and Movement is now trying to force me to sign a Settlement Agreement before giving me the rest of the money they owe and already agreed to pay. 

I got a response from XXXX XXXX on XX/XX/2022 with the following : Cash to Close - After your discussion with XXXX XXXX you were to be given a lender credit of {$1000.00}. Here is how that {$1000.00} was to be applied. We did not charge the .125 % discount point ( {$460.00} ) and we were to give you a lender credit of {$530.00} on the Final CD. Adding those two numbers equals a credit that would have equaled {$1000.00}. Unfortunately you were only given a lender credit of {$460.00} on the final CD. Adding {$460.00} ( fee not charged ) and {$460.00} ( credit ) equals {$920.00} I will be more than happy to send a check for {$75.00} to you but our legal department requires me to send a Settlement Agreement for your signature. If you would like for me to start that process, please let me know. 

Again, they ignore the fact that the extra day lock was already covered by my realtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXX, XXXX XXXX XXXX  Account # 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 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 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 2022-09-29 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 XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX I Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXXXXX, XXXX XXXX XXXX Account # 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 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: FL

Complaint narrative:
In accordance with the FCRA Everything has to be 100 % accurate on my credit report. The Credit bureaus stated that my account was properly investigated but how is that possible if the open date is inaccurate, account status is inaccurate, the date of last active is inaccurate & the date of last reported is not correct i mean its also inaccurate as well as the date of last payment is also inaccurate & last one is that how the account opening date is same with the last reporting date. This ground for removal they also violated my rights under below mentioned sections : 15 U.S.C 1681 section 602 A, States that I have the right to privacy. 15 U.S.C 1681 section 604 A Section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Therefore you are requested to kindly delete my below mentioned accounts or else I will file the litigation to get deletions : Account : 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 non-monetary relief
Consumer complaint received 2022-09-29 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: IN

Complaint narrative:
its says I have a credit card witch is not mine and I do not have it is from XXXX  XXXX says the balance is XXXX and the credit limit is only 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 2022-09-29 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: IN

Complaint narrative:
its says I have a credit card witch is not mine and I do not have it is from XXXX  XXXX says the balance is XXXX and the credit limit is only XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: IN

Complaint narrative:
its says I have a credit card witch is not mine and I do not have it is from XXXX  XXXX says the balance is XXXX and the credit limit is only 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 2022-09-29 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: MS

Complaint narrative:
National credit systems is reporting inaccurately. This account is labeled as a collection and it is reporting a past due amount. That is illegal. There is a balance listed higher than the actual amount. The amount is {$1500.00} but is showing a past due amount of {$1500.00}. This is also illegal. The date of last reported, last activity, & date it opened is also inconsistently reported across all three bureaus. This is also a violation. This account keeps increasing and decreasing the amount on this collection. No payments have been made towards this account so it should not not be increasing and decreasing the amount. This is illegal. I have disputed this account several times with no results. All three credit bureaus have failed to provide a method of verification letter. They have only verified and updated this account every time with no proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Nelnet, Inc.
State: OH

Complaint narrative:
My loan information and history indicated on my Nelnet account contains numerous material inaccuracies, including the school, lender, loan type, and loan amounts. When I requested loan history information from Nelnet around XX/XX/XXXX, I received an extremely limited and inaccurate history of payments, and missing information for most of my loans as well as several missing servicer records. No history was available for the majority of my loans since XXXX, and the history provided for XXXX only contained information about one loan. I have records of many qualifying payments with XXXX and XXXX that are not contained on my payment history or accounts. Further, several loans are listed on my Nelnet accounts that list a school that I have no record of taking loans ( XXXX XXXX XXXX ) from and a lender that has no record of my ever having an account ( XXXX XXXX XXXX XXXX  ). These inaccuracies, errors, and missing information warrant correction and cancellation of inaccurate loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15usc 1681 section 602 state I have the right to privacy 15usc1681 section 604a section2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as LATE for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-29 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. This creditor has violated my rights. Under 15usc 1681 section 602 state I have the right to privacy 15usc1681 section 604a section2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as LATE for any purpose.

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 2022-09-29 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
In accordance with the fair credit reporting act. This creditor has violated my rights. Under 15usc 1681 section 602 state I have the right to privacy 15usc1681 section 604a section2 it also states that consumer reporting agency can not furnish an account without my written instructions. Under 15usc 1666b a creditor may not treat a payment on a credit account under an open and consumer credit plan as LATE for any purpose.

Company response to consumer: Closed with explanation