vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
Attn : XXXX of the XXXX - Citicards I took advantage of a promotional offer from Citi to use a cash advance at a low introductory rate, which included a balance transfer fee. Prior to that, I hardly carried any balances on my card or any other credit cards. I received offers for a balance transfer rate through Citi bank with the the payment of a transaction fee. Given the promotion and understanding that a low interest rate payable over months was a viable option when I became the victim of credit fraud ( XXXX XXXX XXXX Department XXXX # XXXX ), I took the offer, thereby utilizing my credit lines with Citi. It was then surprising to notice that my credit line was being reduced because I had over extended my credit and that my payments were low on the account. Having paid the transaction fee, I purposefully didn't see an incentive to pay off the balance each month since the offer extended through later in 2022. I am requesting Citi to reinstate my credit lines to the levels they were at since this reduction will cause lenders to think I am credit risk, for which I am not. Alternatively, they misrepresented their advertising. if they are unwilling to re-instate, then they should credit back the cash advance fees and I will pay off the balances in full. They can not have their cake and eat it, as their promotions ( attached ) is the reason I took the advance, understanding the time value of money..

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 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I got a text message on XX/XX/XXXX from the Comenity Fraud dept to verify a XXXX XXXX  XXXX  purchase for {$360.00}. I had not seen this text, but I did try to use the card earlier in the day and it was declined. Because I wasn't comfortable responding to the text that was sent to me, I tried calling the number on the back of the card, I was not able to get through and the call was disconnected. I tried many more times since XX/XX/XXXX and I still can not get through after waiting more than 20 minutes per call. 

I was able to go online and submit a help ticket/complaint, but I haven't gotten a response. I currently have a credit of {$520.00} on my card and at this point I just want to close the account and get my money back. 

Is this something you can help with?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IN

Complaint narrative:
My first statement balance was due for last month with BANK OF AMERICA ALLEGIANT CREDT CARD. Im a new card holder. I did not receive my first statement. I have an excellent credit score and I pay my bills on time and the statement balance to avoid interest charges. I realized it was probably time to pay two days after the fact but because its my first statement I had no way of knowing when. I paid my statement balance but of course got hit with a {$29.00} late fee and {$12.00} interest. To me this is probably what they do to all new customers. Its clear with their refusal to refund the fees being Im a new customer. I feel this probably makes the company a lot of money! Total scam! They said they would do an investigation. Whats is there to investigate? I didnt get it and they will say they sent it. Horrible customer care! I will not be swindled by a company no matter the amount! I want a credit in the amount of {$41.00}!!

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 2022-10-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSWORLD SYSTEMS INC
State: DC

Complaint narrative:
On XX/XX/XXXX, I received an offer from Transworld System Inc to settle debt of {$9400.00} for {$2000.00}. Prior to accepting the offer, on XX/XX/XXXX, I spoke to a collections department representative of the XXXX XXXX XXXX XXXX XXXX XXXX ( original creditor ) who verified the offer but instructed me to contact Transworld. On or about XX/XX/XXXX, I spoke with XXXX XXXX of Transworld Systems who also verified the offer of {$2000.00} to settle the account in full. On XX/XX/XXXX, I withdrew a cashier 's check for the offer amount and certified mailed it along with the Transworld offer letter and a letter requesting notification of closed/settle account ( Please see attachments ). On XX/XX/XXXX and XX/XX/XXXX, I spoke to XXXX XXXX, and on both calls she indicated that Transworld has posted the payment to the account, and I will receive a closed account letter in 5-7 days. On XX/XX/XXXX I did not receive the closed account letter that XXXX XXXX stated. But instead, Transworld sent me another offer letter dated similarly to the first offer letter, dated XX/XX/XXXX, in the amount of {$7600.00}. Both debt letters are dated XX/XX/XXXX. 
I spoke with XXXX XXXX on XX/XX/XXXX at XXXX who stated that to disregard the letter and that the closed account notification letter was mailed from Transworld XXXX XX/XX/XXXX, and that I should receive it soon. On XX/XX/XXXX, I called to Transworld Systems again at or about XXXX and spoke to XXXX XXXX XXXX in error offer letter that I had received on XX/XX/XXXX for {$7.00}, XXXX. XXXX XXXX verified that I paid the {$2000.00} and that the debt had been settled and the account closed. She also stated that I should receive my closed account letter absolving from the and that it went out on XX/XX/XXXX. To This very day I have not received the letter promised by Transworld Systems absolving me from the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: SYNCHRONY FINANCIAL
State: PA

Complaint narrative:
To This is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. Synchrony Bank/Amazon XX/XX/XXXX, XXXX., XXXX XXXX XXXX 
 3., XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

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 2022-10-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: M&T BANK CORPORATION
State: CT

Complaint narrative:
I had an account with peoples back which has changed to M & T We had bought checks for around XXXX $ worth After the merger/acquisition, the past checks will be valid only until XXXX. 
When we asked the branch if they would replace our checks, we were told that we could just use our checks completely ignoring our request. This ignores that our checks will not be valid in some weeks. 
This is just an extra fee and extraction from the back. 
We will try asking the branch again ( we dont have much hope though ) Hoping that your organization can make this right to all this banks customers. 
Best

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 2022-10-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: IL

Complaint narrative:
I received a call from XXXX asking if I did apply for a credit card recently. I said NO. and she said that someone tried to apply a credit card with my identity. Then, she told me that's is identity theft and I need to report it to the federal trade commission. Also, she suggested to check my credit score. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: UNITED ATLANTIC MORTGAGE CORP OF VIRGINIA
State: VA

Complaint narrative:
On XXXX XXXX, my wife received a pre-approval for a loan with United Atlantic Mortgage CorpXXXX Of Virginia XXXX NMLS # XXXX and was given an approval letter stating the address of the property, sales price, down payment, loan amount, monthly payment, interest rate, APR , and no indication or statement of the rate being based on buying down or any money needed to buy down the rate at closing. This prompted her to choose United Atlantic Mortgage as her lender and proceed with purchasing a home. 
She received an email on XXXX XXXX from the lender with the approval letter stating that the rate was locked in at 5.875 % ahead of the pending downturns in the real estate market. 
XXXX XXXX - notified by United Atlantic Mortgage that the rate previously quoted was with a XXXX payment due at closing to buy the rate down. We contacted United Atlantic Mortgage Corp and showed them the pre approval letter and email stating we were locked in and XXXX XXXX stated " all lenders give their rates assuming a payment from the applicant to buy down the rate ''. She also said, " I know it looks like a bait and switch, but it's not ''. 
We have attempted to work with this company and simply want the rate that was given in writing, the reason we went with them, to be honored, WITHOUT having to buy it down, as it was originally guaranteed.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: Experian Information Solutions Inc.

Complaint narrative:
Hi. I checked my Credit Score using my bank app. All the loan information is incorrect. It shows Ive taken loan for a two wheeler, well I dont have a two wheeler. The other loan shows Ive taken for property, I dont own any property. Ive never taken a loan for personal or business. Please help me regarding this wrong information showing in my credit score portfolio. 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 2022-10-04 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 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 explanation
Consumer complaint received 2022-10-04 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: NY

Complaint narrative:
In accordance with the fair Credit Reporting act 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, 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 explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
Ive tried multiple times to get XXXX XXXX XXXX off my credit report it still havent been done they have all wrong information about me and I would like it removed off my credit asap they do not communicate nor apply the credit consumer act law to have this remove off my credit

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 2022-10-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
Ive tried multiple times to get XXXX XXXX XXXX off my credit report it still havent been done they have all wrong information about me and I would like it removed off my credit asap they do not communicate nor apply the credit consumer act law to have this remove off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Improper use of your report — Reporting company used your report improperly
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a creditcard account under an open end consumer plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: MI

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 # XXXX, Account Name - XXXX  XXXX XXXX  # XXXX, Account Name - XXXX XXXX # XXXX, Account Name - XXXX XXXX XXXX  XXXX  # XXXX, Account Name - XXXX XXXX XXXX XXXXXXXX # XXXX, Account Name - XXXX XXXX XXXX XXXX # XXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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: MI

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 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 XXXXXXXX, has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 U.S.C 1681c. ( a5 Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish an information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-04 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXX XXXX XXXX, and Account # XXXXXXXX XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1684 section 604A 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 explanation
Consumer complaint received 2022-10-04 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: LA

Complaint narrative:
XX/XX/22 I contacted all 3 credit bureaus XXXX, Transunion, & XXXX, to verify the first date of delinquency on the account I disputed with XXXX XXXX XXXX. XXXX funding responded to XXXX XX/XX/22 complaint # XXXX that the first date of delinquency was XX/XX/22. However, XXXX reported on my credit file the first date of delinquency is XX/XX/22?? I am fully aware they may be several opening dates due to different collection agencies buying accounts. However, there should NEVER be a reporting of different first date of delinquencies, which clearly states the information reporting is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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: Experian Information Solutions Inc.
State: LA

Complaint narrative:
XX/XX/22 XXXX contacted all 3 credit bureaus Experian, XXXX, & XXXX, to verify the first date of delinquency on the account I disputed with XXXX XXXX XXXX. XXXX funding responded to CPFB XX/XX/22 complaint # XXXX that the first date of delinquency was XX/XX/22. However, XXXX reported on my credit file the first date of delinquency is XX/XX/22?? I am fully aware they may be several opening dates due to different collection agencies buying accounts. However, there should NEVER be a reporting of different first date of delinquencies, which clearly states the information reporting is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-10-04 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 — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Despite multiple attempts to remedy my issue, the company Equifax , Inc. located at XXXX XXXX XXXX XXXX # XXXX, XXXX, GA XXXX XXXX Phone XXXX has not reported my account information or is able to give me a credit report. They have given multiple reasons for this negligence. This lack of reporting an actual consumer credit report or even a credit score has caused an adverse action to my personal well being as I'm in the process of purchasing a home. I have filed a complaint with the FL department of agriculture and consumer services with XXXX  # XXXX Attached you will see the failure to produce any information from this company

Company response to consumer: Closed with explanation