vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : XXXX XXXX XXXX XXXX XXXX Services -XXXX XXXX On or about XXXX XX/XX/XXXX, I applied for an auto loan and the dealership stated that they were going to submit my credit profile to XXXX XXXX XXXX. I recently reviewed my credit profile and saw the following unauthorized inquiries on my profile : -Professional Finance -XXXX XXXX XXXX XXXX XXXX XXXX XXXX Additional unauthorized inquiries on XXXX XX/XX/XXXX : -Professional Finance -XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: IN

Complaint narrative:
I have tried to call companies several times to which they ( misspell some things sometimes and also change around wording ) have transferred me several times and they finally hang up on me. here is the list of inquiries : Here is the list of inquiries : Transunion : XXXX XXXX XX/XX/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 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: WELLS FARGO & COMPANY
State: IA

Complaint narrative:
Wells Fargo had a major service outage in XXXX of XXXX. Since that time, I have been unable to login to Wells Fargo Online. This was an issue for me, because I received statements for my accounts exclusively online. I moved most of my money to another bank in XXXX of XXXX, after Wells Fargo failed to restore access. To this day, I am still unable to access Wells Fargo online. Also to this day, I do not have statements for my checking account for the period of XX/XX/XXXX to XX/XX/XXXX. The account was closed in XX/XX/XXXX. 

Throughout multiple contacts with Wells Fargo, they have failed to even acknowledge that there is an issue.

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 2022-07-20 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.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a XXXX score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
On XX/XX/XXXX we made a purchase using the American Express Serve card in the amount of {$300.00}. On XX/XX/XXXX we returned the item. We were told we would see the funds on the XXXX of XXXX XXXX later. This morning XX/XX/XXXX we werent able to check into the account. After about an hour we were able to log in. When we did we noticed XXXX returns had been completed, no funds available and XXXX additional return holds placed on the account. We called customer service to figure out what was going on. Not only did the return date change to the XXXX and the XXXX but that we were charged an additional charge from American Express. They tried to say it came from the original company but it didnt. Amex checked the account and verified there wasnt a new transaction yet they still said we were charged twice and are going to issue XXXX refunds totaling {$610.00}. I told the rep that we should only be receiving a return for XXXX. And to give us anything more is fraudulent. We also asked them why it reflects that its clear but theres no funds they wouldnt answer. We asked for a number to file a complaint to and they wouldnt give us one. Told us they didnt have one and we cant file a complaint. So we went to the XXXX XXXX XXXX. We have not received our funds and have been given the run around all day!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I submitted an online joint checking account application on XX/XX/2022, in advance of getting married on XX/XX/XXXX, pursuant to an introductory offer stating that if I submit a certain amount of money within 20 days I qualify for a bonus payment. I never heard back from Citibank that it was opened until I arrived back from my honeymoon on XX/XX/XXXX with a debit card sitting in my mailbox. On XX/XX/XXXX I called them up to see if my account was opened and they said yes, on XX/XX/XXXX, which coincidentally caused the introductory offer to have no bonus eligibility passed XX/XX/XXXX. I explained to XXXX levels of customer service that if Citibank had never let me know when the account was opened, how I am supposed to know when the 20 days begin. I asked for the 20 days to be reset to the day I was alerted the account was opened, which was today, XX/XX/XXXX. They said they couldn't do that, nor could I apply again because I am now considered a customer of Citibank because my account was opened. They claim they sent me an email on XX/XX/XXXX, which I never received, nor do I suspect was ever sent. I believe this to be fraudulent marketing and an inducement to onboard clients.

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 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
Good afternoon, I had to pay my XXXX XXXX and made the mistake and used my Citizen 's Bank Account instead of my XXXX banking account. I have banks presaved on my XXXX account and forgot to switch it back to my XXXX banking account. Days went by before I was alerted of my mistake at Citizen 's bank. Citizen 's sent me an overdraft email on XX/XX/2022. On that same day and moment I log into my XXXX bank account and did a transfer funds to my eternal bank for the amount that I was overdrawn. Usually transfers happen on the same day or instantly and I did not think much about it. So thinking that everything was good again, I carried on with life. I am a single mom of XXXX and I am always on the go. Then I received another alert of an overdraft. Apparently they are going to keep giving me an overdraft fee because the money that I transferred into the account did not go in the bank until one or two days after their so called grace time. I called Citizens and was on hold for a whole hour. Phone statements can prove that and the representative was not helpful at all. He would not acknowledge that the money was sent to make my account positive and said that there was nothing that he could do and that the account will just keep piling up with overdraft fees. I can not afford to pay their overdrafts fee, especially when I had sent money over immediately to cover my mistake. I actually do not use my Citizens account since I switch over to XXXX Banking because they do not do overdrafts and have no fees. I even erased my Citizens account off of my XXXX account to avoid ever making that mistake again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 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: FL

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 # XXXX ( Listed over XXXX ) Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # xxxxxxxxxxxxxxxx XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # # XXXX Account # # # # # # XXXX Have violated my rights. 15 U.S.C 1681 ( a ) ( 4 ), FCRA section 602 A ) states I have the right to privacy. 15 U.S.C 1681b-a ( 2 ) ( 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 any other adverse item of information, other than records of conviction of crimes ( they may only report crimes, not debts ) which antedates the report by more than seven years. 15 U.S.C. 1981s-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 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: OH

Complaint narrative:
On XX/XX/XXXX my card was charged {$600.00} ( XXXX transactions of {$100.00} each ) at an Ohio lottery machine at XXXX on XXXX XXXX XXXX XXXX XXXX Ohio XXXX and then {$76.00} at a XXXX  gas station. I realized This error on XX/XX/XXXX i immediately reached out to my bank ( chime ) via phone at approximately XXXX to dispute my charges. My dispute was denied at XXXX am XX/XX/XXXX due to them not seeing an error has occurred. I called in again and was Instructed by team member XXXX on XX/XX/XXXX to request my claim be reopened pending my evidence being submitted stating i was Physically at work when the charges were being made along with a police report. Ive submitted both forms and my claim was denied again on XX/XX/XXXX with reasoning that they still see no error occurred due to me paying my bill of XXXX to XXXX XXXX XXXX is being the same spending activity as buying {$600.00} in lottery tickets which is not correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ

Complaint narrative:
With capital One Bass Pro shop card I have made XXXX consecutive payments that have been posted to the account and each one has been met with a minimum of a XXXX XXXX XXXX day hold. The only reason Im given is because the federal government allows us to do that. When in actuality I have made payments either on time or a little before theyre due I have had XXXX canceled payments and yet I am having to wait XXXX XXXX XXXX  days after payment is made for it to reflect on the card I have already stated that my next step is to call and place a complaint with the department XXXX XXXX department XXXX XXXX in the federal trade commission as to fraudulent activity against a XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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 XXXX  Account # XXXX, XXXX # xxxxxxxxxxxx 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  # xxxxxxxxxxxx XXXX, has violated my rights. 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 : It also states that 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 2022-07-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: FL

Complaint narrative:
On XXXX XX/XX/2022, Freedom Mortgage Company sent a pay off statement to my Title Company which included my XXXX XX/XX/2022 balance. When forwarding the document over they failed to disclosed that if we did not close prior to XXXX XX/XX/2022, the account would be updated with a 30 day past due notice. They were advised on the intent to close on XXXX XX/XX/2022. On XXXX XX/XX/2022 the account was paid in full, however the company reported the account 30 days delinquent. During the closing of the loan, Freedom mortgage made no attempts to contact myself or the Title Company with questions about a " late payment '' or made any indication that a XXXX XX/XX/2022 date would present any issues. 

The company has a history of being misleading customers and mishandling their funds. In XX/XX/2022, the company used my escrow funds and paid property taxes for another parcel. As a result they charged me an additional {$500.00} a month for the month of XXXX, XXXX and XXXX to cover their mistake and mismanagement. In XX/XX/2022, I received the estimated property taxes for the following year and realized my escrow was incorrect. It was not until I called the company that they admitted to their mistake readjusted my payments and refunded the balance on my escrow. 

This company is not here to support veterans and quite often takes advantage of them. On a XXXX  page for officers, there was another veteran who experienced the same situation in regards to her property taxes. This needs to be investigated thoroughly, as they should not be allowed to take advantage of our VA benefits.

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 2022-07-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
Banking with Citibank on XX/XX/22 Citibank blocked account after direct deposit was received. I contacted Citibank to find out why account was blocked they said they closed account upon review and would not provide me with any information why account is being closed Citibank stated they will send a letter stating why account was closed and check with funds in the account will be sent to the address on file within 60 days. I received the letter stating account was close based on their terms and conditions policy client manual- consumer accounts which states Citibank can close any account with no notice or reason. Did not receive check in 60 days contact Citibank on XX/XX/22 to find out why I did not receive funds yet and the representative stated they can not provide me any information funds will be sent to address on file and hung up on me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-20 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: Avant Holding Company, Inc.
State: MA

Complaint narrative:
On XX/XX/22 I made a payment to Avant credit card company of just over {$35.00} to bring XXXX balance due to {$0.00}. Even before that payment I had {$260.00} to use to shop. On XX/XX/22 I tried to purchase ink for my computer to finish a project. The cost was just over {$71.00} at XXXX. The card was rejected 3 times. Knowing I had funds available I called Avant to find the problem. I was told by the rep that my account was deliquent which it was not the payment due on XX/XX/22 had an amount due of just unbder {$4.00} I paid in the afternoon of XX/XX/22 on time to bring the balance on the account to {$0.00}. I asked to speak to a supervisor after a XXXX minute wait I was told a supervisor would have to call me back. The call came on the morning of XX/XX/22 and the supervisor said there was a technical problem at there end affecting numerous customers. On XX/XX/22 in checking my email I was notified that my payment was recieved. I called Avant to double check to see if there technicsl problem was cleared as I really needed to purchase the ink. I was told there was never a technical problem they just don't allow people to use the card until a payment clears. I thought the agreement was if you had credit to use they couldn't block you from using it as long as your paid on time and were never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 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: TX

Complaint narrative:
So, I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information with third party people.

These are clear violations of my federally protected consumer 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 2022-07-20 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:
So, I sent letters off on XX/XX/2022. Here are my tracking numbers XXXX, XXXX, XXXX. To remove personal information that I do not want on my credit report. According to the fair credit reporting act 15 USC 1681. I have the right to privacy. Also, according to 15 USC 6802. No financial institution is supposed to share my information with third party people. 

These are clear violations of my federally protected consumer rights

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: LA

Complaint narrative:
I had a XXXX Account with Synchrony Bank for my XXXX account. The Maximum Balance was under {$5000.00}. My purchases from XXXX increased for a period of time, as I was making purchases for my grandchildren. The benefit of the card was that I could accumulate 5 % in points for each purchase. I found that I had to make payments on a more frequent basis than once a month to maintain the ability to add additional purchases and points. I did request an increase to mitigate the issue and was denied due to lack of history. 

Never in the period in which I had the card did I get behand in payments or make payments that were rejected. The Bank was not forthcoming with any options or information. I was not immediately notified that the account had been closed. I only found out when I checked my account status. A week passed before I received a letter stating that account closure was made due to possibility of future intention not to pay. 

Associated with the XXXX closure, the bank also closed two other credit card accounts ( XXXX XXXX and Carecredit ) for the same reason. In ALL cases, payments were made well in advance or on-time and purchases were normal. 

In my opinion, the closures were precipitated by the use of the XXXX credit card, which accumulated points valued at closure close to {$1000.00}. The bank had closure as a convenient method to default on the points, as account closure automatically resulted in cancelation of the accumulated points. I suspect that the bank had " gotten in over its head, '' with this benefit, as the XXXX card recently ended rewards.

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