vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
On XX/XX/XXXX, I contacted Citi Bank and requested to be connected to their fraud department after noticing three fraudulent charges on my account. The charges occurred on XX/XX/XXXXXXXX  with See Tickets *XXXX  in XXXX XXXX , CA , amounting to {$1400.00}, on XX/XX/XXXXXXXX  with XXXX XXXX totaling {$430.00}, and on XX/XX/XXXXXXXX  with XXXX XXXX XXXX in NY for {$39.00}. The {$39.00} charge was promptly removed, and a dispute was filed for the other two charges. While awaiting a response to my dispute, I discovered another pending fraudulent charge on my account. I immediately contacted Citi to cancel the pending charge. Despite being assured that a new card would be sent and the old one closed, the fraudulent charge remained pending. After numerous calls to Citi Bank throughout XXXX and XXXX, the charges were finally reversed in XXXX. However, in XXXX, I received a letter from Citi regarding my dispute. According to the letter, the merchant provided documentation affirming the validity of the {$1400.00} fraudulent charge ( See Tickets *XXXX  ), and the charge was reinstated on my account. Upon reviewing the documentation, I found compelling evidence on the first page indicating that the charge was indeed fraudulent. Specifically, the email address associated with the purchase differed from my valid email address, which I confirm on every call to Citi Bank. Additionally, the IP address on the purchase did not match my home address in XXXX XXXX, NV, showing XXXX, California. I am urgently seeking assistance in removing the fraudulent charge of {$1400.00}, confirming the illegitimacy of the {$430.00} charge, and obtaining a refund to close my account. I no longer have confidence in the security of my information with Citi Bank. 

Citi Bank responded to my original complaint with a letter that they were going to take care of it. It has now been 3 weeks. My account is currently past due, and I am being asked to settle a substantial minimum balance to bring it up to date. Despite being informed of fraudulent charges being removed three weeks ago, they have not been removed, resulting in my account being in the red due to the delayed resolution process and my credit being ruined. 
According to previous communications, I was assured that I wouldn't be obligated to make any payments until the fraudulent charges were resolved. However, nearly SIX MONTHS after the occurrence of these charges, they remain on my account unresolved. This situation has left me hesitant to proceed with the payment, as the promised resolution has not been fulfilled.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I received a copy of my credit report and found the following inaccurate item reporting error. Transunion has failed to delete the negatively reported debt from my credit profile. XXXX XXXX XXXX. Account # XXXX, for $ {$7900.00}, is closed and was settled, and taxes were paid via the attached 1099-C for 2020. 

I have sent Transunion many letters requesting that they investigate this account, which I believe is reported incorrectly. This is a violation of the Fair Credit Reporting Act. 

Under the provisions of the Fair Credit Reporting Act, I would like to ask that this inaccurate account be removed from my credit report as soon as possible. 

Sincerely, 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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: GOLDMAN SACHS BANK USA
State: MA

Complaint narrative:
On XX/XX/XXXX Apple Golman sack bank charged my XXXX debit card account for an obviously fraudulent amount. I reported it to them on XX/XX/XXXX. They could never explain what that was for and recommended to dispute with my debit card bank. I did just that. So my debit card bank XXXX originated the dispute and froze my debit card account. Apple GS bank immidiately reported to all credit bureaus that I missed a payment and ruined my credit history because my score dropped by at least XXXX points. I called Apple Golden sack bank again on XX/XX/XXXX and requested to initiate now THEIR own internal dispute ( which is what they were supposed to do back on XX/XX/XXXX when I called first time ). They finally did - ref # XXXX. Though, today, XX/XX/XXXX I have learned that Apple GS bank made a decision that this balance {$130.00} is valid and that I'm responsible for it. They failed to provide with any statements or any details on what this balance is about or any basis for their decision in response to my dispute and fraud investigation whatsoever!! Please don't let them to get away with this!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently looked into my credit report, which made me very depressed. I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % accurate in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not providing 100 % accurate information. Copies of every letter sent are attached below.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently looked into my credit report, which made me very XXXX I discovered items that your agency didn't double check to make sure were 100 % accurate, unverifiable, erroneous, and suspicious. 

Everything on my credit report must be 100 % accurate in order to comply with the Fair Credit Reporting Act, 15 U.S. Code 1681e ( b ) and 15 U.S. These accounts violate Code 1681i ( 5 ) by not providing 100 % accurate information. Copies of every letter sent are attached below.

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 2023-12-21 00:00:00
Product: Credit reporting 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:
I didn't open any of these accounts XXXX XXXX XXXX XXXX for XXXX dollars someone other than me has did it and others like theses XXXX XXXX  for XXXX dollars not me and most definitely XXXXXXXX XXXX XXXX XXXX  for XXXX dollars I don't remember opening up any of these accounts so I want them removed because these accounts are fraudulent look into them carefully I think my identity was hacked

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 2023-12-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Can't close your account
Company: GOLDMAN SACHS BANK USA
State: CA

Complaint narrative:
Opened Apple Card for the savings account interest rate, was unable to add funds through convoluted system and requested account be closed. Was told account was closed, but still receiving statements and account appears to remain open.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: World Acceptance Corporation
State: LA

Complaint narrative:
I requested the information for the account, because, it was reporting differently across the XXXX major credit agencies XXXX XXXX XXXX XXXX XXXX XXXX. The reply received was that, they could not find any information on the account with the information provided directly from the reports and wanted me to give them all of my current identifying information. I have disputed this with the XXXX XXXX XXXX XXXX agencies and it would come off the reports and be put back on XXXX almost immediately and cause a major point difference. None of the information was reporting the same to the agencies, from the current balance, date opened, type of loan and they would put it on the reports with two different company names : " World Finance Co '' and/or " World Acceptance Corporation XXXX XXXX 
The account was charged off as bad debt in XXXX XXXX of 2017 with a balance of {$250.00}. The balance is currently {$470.00} that was reported on XXXX XXXX of 2023. World Acceptance Co has been increasing the balance on this by {$2.00} or {$3.00} either per month or multiple times per month which damages my worthiness and ability to continues to provide for XXXX XXXX. There was a comment on the XXXX report before they removed this account stating, " The balance of {$250.00} was charged off and the current balance is {$470.00} ''. 
I have requested disputes from all three XXXX XXXX XXXX of the major agencies, however, this account continues to report incorrectly and on XXXX and has been removed from XXXX. 
I have attached one of the credit alerts I received from one of the agencies, while after communications with the credit agency where they changed the balance to what was reporting {$450.00} to {$200.00}, then within a day or two, it the balance was updated to approximately a little over {$450.00} as the new balance. This made my credit worthiness go up a few points, then, when they added the balance back, it plummeted looking as this was new charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
Equifax did something wrong. Its been 1 year over they did not let me get my credit report. When I tried to go on the Equifax website its keep showing me the word XXXX They dont allow me to Acess my credit report at all. 
I did call Equifax to fix this problem but they didnt fix it right.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE
State: NC

Complaint narrative:
On XX/XX/2023 Barclays closed all my credit card accounts without my knowledge. On XX/XX/2023 I received 4 letters on the mail detailing these closings. I never agreed to this and would like my accounts reinstated.

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 2023-12-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I purchased a sleep number bed in XXXX of XXXX at the time of the purchase i entered into a purchase arrangement which provided three year financing at 0 % interest ; which was provided by Synchrony Bank . I paid {$200.00} to Synchrony and then set up my checking account for auto-pay so that the specific monthly payments could be deducted from my banking account by Synchrony. Instead of deducting the monthly payment amount, Synchrony deducted the full purchase price, {$4600.00}, from my account. ( this was NOT what i agreed to ). Since then, i have had multiple conversations with Synchrony in which they indicate that in fact it was an error on their end and they would be sending me a refund check. To this day, no refund check has been received by me, although they claim that a check had been issued XX/XX/XXXX, ( this was after three months of monthly multiple hour long calls ) Today, XXXX i again called Synchrony and now i am being told they have to " investigate '' what might have happened, as they cant confirm that i didnt cash the check? Really,?!! i would be concerned about their banking systems if they couldnt immediately see that a check they had written almost a month ago had or had not been cashed. without needing an investigation. So, here again, i still dont have my refund and now they dont know when i will since they dont know how long their " investigation '' will take. If i had in fact deposited the check, by claiming that i hadn't, i would be committing fraud. I find their ongoing stories and lack of refunding me money which i am owed for several months is something a regulatory agency should be aware of. Shows to me that they dont have a good handle on how they handle payments and/or they are trying to hold onto my money as long as possible without paying me interest. It should not take this much effort to receive a refund which i have been due for several months. And its surprising that the statements dont get " lost in the mail '' but their refund check does. Something doesnt seem right.

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 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: AE

Complaint narrative:
I sent the following dispute attached to equifax for some inquiries that i have no knowledge of. they have yet to fix this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Chime Financial Inc
State: NY

Complaint narrative:
On XXXX XXXX, 2023, I received an email from Chime stating that they had reviewed my account and decided to close my account and terminate relationship with me as a customer. I was confused because I have over {$4000.00} in that account ( escrow for a court case ). I had not used the account in any way, shape or form that would violate any terms. I had fraud happen months ago and Chime refunded the money, and that account remained with that same balance, untouched and unused since. I attempted to log in and got a message that my account had been closed and I needed to contact customer service for more information. I contacted customer service, who read off a script that my account had been terminated for violating some type of deposit agreement ( which I have no knowledge of whatsoever ). I explained to them that I did not know what they were talking about and that if they closed my account, they needed to refund my money. They said I was ineligible for a refund. They refuse to give me MY money. I asked to speak with a supervisor and XXXX the rep declined. She stated she would write a ticket and that's all she could do. 
I called back again, this time with XXXX XXXX on the line as well because she was the customer that sent me the money from her Chime account. Again I was read the same script, refused a manager and after a back and forth, XXXX the rep hung up on us. Chime can not furnish any agreement legally signed by me ( because I did not sign anything ), I've never received an email indicating there was a problem with the account and they refuse to give me valid reasons of proof. They stole my money and I want them held liable or I will look to file a class action as I can see several people having similar issues. They need to be shut down permanently.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I had disputed a transaction with paypal and it was suppose to show up in my paypal balance but it never did. I even originally made the payment from my paypal balance but they system glitched and sent it to a closed XXXX  account I used to have. I have emails from XXXX  stating that they reversed the funds and sent it back to paypal so that it will be in my paypal balance but paypal saying they never received my money. So both XXXX  and paypal have not put my {$510.00} back in my paypal balance. All I been getting is the run around even when I provide proof and I couldnt even get a provisional credit until they find out whats going on. I have kids to feed and bills to pay, but XXXX  or paypal isnt giving me my money. Ive been waiting extremely long and none of the reps on either side has helped. Please help me get my {$510.00} back from either paypal or XXXX. Thanks CFPB.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Federal Credit Reporting Act ( FCRA ) this creditor has violated my rights. 15 U.S Code1681 section 602 states I have the right to privacy, 15 U.S Code1681 section 604 states a consumer reporting agency can not furnish an account without my written instructions. Under 15 U.S Code 1666 section b, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting 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: Vertical Screen
State: IN

Complaint narrative:
I am a victim of identity theft and I am attempting to get my credit report which I'm entitled to by law. CertiphiXXXX XXXX XXXX refuses to provide my personal information. I need to see if there is any fraudulent information in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
I strongly desire not to have this on my credit report. It is not belong to me. It is 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 2023-12-21 00:00:00
Product: Credit reporting 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:
15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) clearly states that transactions between the consumer and the Person/Corporation making the report is NOT included on the consumer reports. Yet XXXX is reporting this information.. The reporting of excluded information pursuant to 15USC 1681 a ( d ) ( 2 ) ( A ) ( i ) on a consumer report is a clear violation of Metro2 compliance. Provide me with the Metro2 compliance disclosure on reporting transactions to a consumer reporting agency. I need the transactions reporting as late, collection/charge-off status and any other derogatory information deleted from my consumer reports effective immediately. Before you think to reply that this account has been " validated ', let 's be clear that I am not asking you to validate or verify anything. So please do not respond by telling me that as a tactic to waste my valuable time. Some of the negative accounts have been placed in Collection/Charge-Off Status WITHOUT mailing me a copy of IRS form 1099-C Cancellation of Debt. XXXX and the creditors reporting collections/Charge-Offs, late payments/other derogatory information in my consumer reports are in violation of 26 USC ss 6050P Returns Relating to the Cancellation of Indebtedness By Certain Entities. If this derogatory account information is not deleted from my consumer reports within 30 days, I will be forced to officially file IRS form 3949A : Information Referral AND IRS form 211 : Application For Award For Original Information Overview with the Internal Revenue Service against ALL entities involved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-21 00:00:00
Product: Credit reporting 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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