vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: ID

Complaint narrative:
On XX/XX/ I made a purchase from XXXX totaling XXXX with an XXXX XXXX AAdvantage credit card from Citi bank. The items that XXXX shipped were not correct and did not work as listed on XXXX website so I returned everything via ups shipping provided by XXXX. 
The order was delivered back to XXXX under tracking XXXX and XXXX. Proof of delivery states that the shipments were received by XXXX on XXXX  XX/XX/XXXX at XXXX XXXX  at " Dock '' by " XXXX XXXX '' in XXXX AZ and XXXX, XX/XX/XXXX at XXXX XXXX  at " Dock '' in XXXX XXXX NV. 
XXXX refused to acknowledge the return so I filed a dispute with Citi stating the same as above. 
Today XX/XX/2023 the dispute was denied on the basis of the shipping info from the original XXXX order. 
I never once said I did not order the items, this dispute was over not receiving a refund on the return of the items. 
Citi has failed to do any sort of investigation or due diligence in this matter before simply denying this dispute directly violating my rights under the FCRA.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
There is a fraud alert on my account. There is NO fraud on my account XXXX XXXX XXXX is a property that I cosigned for my brother. I am NO longer on the mortgage. I've reached out to the mortgage company with is now XXXX XXXX  and no longer XXXX XXXX XXXX XXXX  to remove it from my credit report. I was in the last 48 hours added as an authorized user onto a XXXX account. That is LEGITIMATE. THERE IS NO FRAUD. PLEASE REMOVE THE FRAUD ALERT IMMEDIATELY.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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:
Improper Use Of My Credit Report

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 2023-04-19 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: TX

Complaint narrative:
I wrote a letter to Experian on XX/XX/XXXX to notify them of an incorrect account on my credit report. I do not feel that an investigation was done because there is still a late payment reporting in XXXX for accounXXXX XXXX XXXX  XXXX XXXX. In XXXX my payments were deferred so there should not be any late payments hence the reason why XXXX and XXXX aren't reporting any late payments. Experian would have known this if they would have done an investigation. Being that it has been over a month and this account is still reporting, I am demanding that this late payment is removed within 15 days. Experian is in violation of the FCRA and CARES ACT and I will be taking this to small claims court if this error is not updated immediately. Please see the letter that is dated and time stamped. The account in question is highlighted.

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 2023-04-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: Dave Operating, LLC
State: MA

Complaint narrative:
On XX/XX/XXXX at XXXXXXXX XXXX i made a deposit in my dave banking app from XXXX of {$3400.00} only for it to get rejected because funds were over {$1000.00}, but account did not show funds were received or rejected until XX/XX/XXXX. The {$3400.00} was place on a hold from the bank and when i contacted to them to release the funds they had no idea where it was, they had contact XXXX  they lied to me and said on after 5 business days it would be returned which didnt happen, they took the situation to corporate just to tell me they had their executives handle it only and told me to wait on a update. On XX/XX/XXXX they terminated my account and now i have no way to contact the company or know where my {$3400.00} is or when it will be returned.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
At approximately XXXX I was awakened by emails indicating that someone was attempting to open banking accounts in my name

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXXXXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: TRUIST FINANCIAL CORPORATION
State: SC

Complaint narrative:
Since Friday of last week, XX/XX/2023 I have been told that I was approved and was to receive my funding on Monday XX/XX/2023. I have XXXX  and XXXX  currently and needed my granddaughter to speak for me. I sent in everything requests and even set up auto pay and picked the date of when my payments will be deducted and they still won't speak to my granddaughter or send me my money. I have SEVERAL calls and emails to prove such. I just want my money. Can you please help me? 
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
Consumer complaint received 2023-04-19 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: OneMain Finance Corporation
State: NY

Complaint narrative:
XX/XX/2021 I have no knowledge of this account or whatever it is and contacted this company and it has no info on this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
Good afternoon! 

I am writing to submit a complaint regarding the permanent limitation that has been placed on my PayPal account. I believe that this limitation was placed by mistake and would like to appeal this decision. 

Firstly, I would like to emphasize that I have not violated any PayPal policies. I have always used my PayPal account in accordance with the terms and conditions set forth by your platform. Therefore, I find it unfair and unjustified that my account has been permanently limited. 

Secondly, I kindly request that PayPal re-investigate my case to rectify any possible errors that may have led to this limitation. I am confident that a thorough review of my account activity will show that I have not engaged in any activities that violate PayPal policies. 

Lastly, I would like to request that my account be restored if possible. As a regular PayPal user, I depend on this platform for many of my financial transactions. A permanent limitation of my account will not only inconvenience me but will also restrict my ability to carry out my financial obligations. 

I am hopeful that PayPal will take my request seriously and that my account will be restored promptly. If you need any further information from me, please do not hesitate to contact me at XXXX Thank you for your attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Number Account Name # XXXXXXXX XXXX XXXX # XXXX XXXX  : # XXXX XXXX : # XXXX XXXX XXXX # XXXXXXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX XXXX XXXX  # XXXX XXXX XXXX have 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. ( 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 convictions of crimes which antedates the report by more than seven years. 

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

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: TX

Complaint narrative:
I reported to Experian that they were reporting fraudulent accounts on my credit file, and they refused to reinvestigate. Ive sent multiple requests with updated information and copies of my address, id, and social security and they still refuse to re-investigate and help me clear up fraud on my credit file.

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 2023-04-19 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. 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 Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-04-19 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information or Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

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

Company 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 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
I currently receive credit card paper statements from a particular bank for a specific reason. However, I feel that the bank that has provided the credit is indirectly forcing me to select electronic statements by not allowing me to few my statements online. I have contacted the bank today, XX/XX/2023, and asked why I am not given the option to view my statements online without having to enroll in electronic statements? The representative apologized and stated that he would send me the statement via email within 24 to 48 hours. The other credit card companies that I currently have accounts with does not limit my access to the online statements because I have not enrolled in electronic statements. This bank is not consumer friendly and is not giving the consumer the option to view their statements online without having to enroll in electronic statements. If I need to view a past statement for financial reasons, I will have to wait to receive it in the mail or call them and complain about this matter in order for them to send it to me by email, which is not convenient because I will have to wait as opposed to being able to see it immediately.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
On XX/XX/2023 I requested that XXXX, Experian and XXXX validate that a bankruptcy that was reporting on my credit report was indeed mine. However, Experian was the only one that replied verified although they did not investigate. XXXX and XXXX actually ignored my request. Per the Federal Credit Reporting Act, Section 609 ( a ) ( 1 ) ( a ), you are required by federal law to verify through physical verification of the original signed consumer contract and/or judgment ( s ) all accounts and public information that you post on anyones credit report. They violated my rights by not investigating and ignoring my request. The courts do not validate and there's nothing on my XXXX XXXX reporting that shows any sign of a bankruptcy.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: PA

Complaint narrative:
i recently had someone assist me on viewing my credit report upon doing so i realized that there were numerous accounts that do not belong to me and it has made my day to day living almost impossible and making it hard to move forward with my life i believe that i might be a victim of identity theft and because of so i have attached a copy of the identity theft report i filed

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc.
State: NV

Complaint narrative:
On XX/XX/2020 spoke to representative XXXX XXXX in regards to the convergent account # XXXX. I settled the XXXX debt of {$420.00} with an agreed upon reduced payment of {$210.00}. 

This representative told me the collection would no longer report on my credit reports. This is affecting my credit score and my credit worthiness. I have asked this company multiple time to handle this issue and take the account off my report. It is still reporting as a negative on my credit reports. 

I am asking this be taken off my credit report in FULL as agreed upon by Convergent Outsourcing.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Starting with equifax auto consumer reporting agency I have working address, wrong date of birth, wrong social security and wrong accounts. 

XXXX have the same issues but anothers different address and accounts doesnt belong to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: CT

Complaint narrative:
I signed up for an American Express platinum delta airlines card Card ending in XXXX. When I went to use the card I was repeatedly denied access to the Delta Airlines club. This is in contradiction to the terms of the card, which states that I am allowed to enter the club. I was also denied access to affiliate clubs in a number of international locations including most recently XXXX XXXX. The card also allows for baggage credit on Delta Airlines. Delta Airlines repeatedly did not allow for this credit. And American Express did not honor these credits. When I complained. I called to cancel the card and was told by the AMEX REP would be absolutely no penalty, and or no clawing back of The card also allows for baggage credit on Delta Airlines. Delta Airlines repeatedly did not allow for this credit. And American Express did not honor these credits. When I complained. I called to cancel the card and told there would be absolutely no penalty, and or no calling back of prior benefits. American Express then sent me an on-site email telling me they have the right to do this which is bogus. I would like the {$250.00} that I paid for the annual fee to be refunprior benefits. American Express then sent me an on-site email telling me they have the right to do. 
this which is bogus. I would like the {$250.00} that I paid for the annual fee to be refunded, and well as any benefits to be reinstated. 

I also signed up for an American Express platinum card to replace this card. American Express will not honor this refund I will cancel the NEW card, which costs $ XXXX. 

I was on hold for over 40 minutes XXXX  XXXX the CS rep how threaten to hang up on me until I asked for a supervisor. that a supervisor never came to the phone and DID NOT CALL ME BACK AFTER 48 HOURS

Company response to consumer: Closed with explanation