vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Was told I should apply for a new travel card with 0 % interest. They were supposed to expedite the new card before my trip. They didnt so I called and was told to use my old travel card which has 21 % interest and when I returned from my trip they would transfer balance to new card. 
When I called Bank of America I was told they dont transfer between bank cards and offered me {$25.00} reduction on my bill. 
Had I known this I would have either used cash or a credit card with a lower interest rate. 
According to Bank of America this issue has all been recorded but still would not do anything even though it was their fault. 
There was a file started with them. The # is 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 monetary relief
Consumer complaint received 2023-05-22 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I was charged about {$5000.00} in " in-app purchases '' on my Apple Card ( credit card ). I was charged about 50 times between early XXXX and mid XXXX. Each transaction was in in the amount of {$99.00} plus tax. The app was XXXX ( a videogame on my son 's XXXX ). The transactions supposedly happened through Apple 's app store. My son has no access to make in-app purchases from the app store without me entering the password ( which didn't happen for any of those {$99.00} transactions ). 

I disputed the charges with Apple, and they decided that I was " ineligible for a refund ''. When I spoke with them on the phone, they said it was ruled that the merchant ( XXXX ) would issue the refund. I did get refunds for about 10 of the 50-some transactions, and the charges for the remaining 40 remain on my statement. I need them to refund the whole amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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. 

XXXX XXXX XXXXXXXX XXXX Loan with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXXXXXX XXXX XXXX XXXX account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$39000.00}. 

XXXX XXXX account with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXXXXXX XXXX XXXX XXXXXXXX account # XXXX opened on XX/XX/XXXX and a balance of {$480.00}. 


XXXX XXXX with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX XXXX XXXXXXXX Secured credit card with account # XXXX opened on XX/XX/XXXX and a balance of {$0.00}. 

XXXX account from XXXX XXXX with account # XXXX and a balance of {$110.00}. The original creditor is XXXX XXXXXXXX XXXX 

XXXX account from XXXX XXXX with account # XXXX and a balance of {$2300.00}. The original creditor is XXXX. 

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: U.S. BANCORP
State: NJ

Complaint narrative:
{$500.00} promotion stated that the bonus woul dbe posted with 45 days of the deposit being verified and held in account for 60 days. Spoke to XXXX at US Bank on XX/XX/XXXX and she confirmed withthe back office that the qualifications were met and to wait an additional 4 to 8 weeks. This goes agaonst the promtion bonus payout terms. 

Deposit made on XX/XX/XXXX. Deposit to be held for 60 days and the bonus to be paid within 45 days of that date. 

" The new money deposit can not be funds held by U.S. Bank or its affiliates. The business checking bonus will be deposited into your new U.S. Bank Business Checking account within 45 days of balance verification, as long as the account is open and has a positive balance ''

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 2023-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
You have no rights to report this bankruptcy in my credit report! There are different date file/reported and even the closing dates. This is absurd! I have the letter from the court that says they don't report this bankruptcy to you and this is from an unauthorized third party!

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 2023-05-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 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 credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: FL

Complaint narrative:
Recently, I did an investigation on my credit report which caused XXXX  XXXX upon me and found unverifable, invalidated, inaccurate, and questionable items that your agency did'nt make sure it was reporting 100 % correct. 

In aaccordance with the Fair Credit reporting Act, everything has to be 100 % accurate on my credit report and Under 15 U.S. Code 1681e ( b ) and U.S. code 1681i ( 5 ) these accounts are in violation of not reporting 100 % accurate.

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 2023-05-22 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: LA

Complaint narrative:
My name is XXXX XXXX XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: IL

Complaint narrative:
About XXXX ( XXXX ) or more, I called Comenity Bank to completely close my account and cancel a credit card. The representative told me that everything was going to be OK. A couple of months later I received a notification from the credit company that my score lowered because of this credit card, good sam/comenity bank. I called the bank again, asked what happened and they told me that there was a late fee, I straightened everything about, for the second time with the bank and credit card representatives and they told me that everything was going to be OK. 
About a week ago or so, I received a call from XXXX, from comenity bank, saying that my account had an outstanding balance for late fees, I mean, they keep on charging me late fees, on A CLOSED ACCOUNT! 
I was aware that if I closed/cancelled a credit card, it could affect my credit, I was OK with that because I really don't want anything to do with this bank, they are the worst to deal with. And now, this is outrageous, they keep on charging on a closed and cancelled account. Unbelievable! Please help me. It has affected my credit a lot! 

When contact the comenity bank refer to number XXXX, the supervisor I spoke with was XXXX, she told me that from now on I wouldn't have any problem with them, which I don't believe because that was the same thing they have told me before and they just keep on charging on a closed account I don't want anything to do with this comenity bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-22 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Im very upset with Citibank and how they closed my Wayfair MasterCard account and Best Buy visa its not fair I was unaware that they did this to me and would like them reopened

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 2023-05-22 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: NC

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-05-22 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-05-22 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: EQUIFAX, INC.
State: NJ

Complaint narrative:
Dear Sir/Madam : XXXX has my credit score listed as XXXX and Equifax XXXX with the SAME information. AFTER i disputed FALSE infomation on my account with Equifax, they LOCKED me out of my online account. On XX/XX/2022 I call Equifax and spoke to XXXX XXXX XXXX # " XXXX  '' who request that I upload my driver license. I complied, however, the system WOULD NOT allow me to do so, then I was instructed to provide her with VERY sensative PERSONAL information over the telephone. I answered ALL the questions correctly and my account is STILL locked. She even wanted to know the date I file my dispute AGAINST Equifax. I complied and gave her the correct response because the information I have on file and she STILL refused to remove the BLOCK off my account so I can have access via online. I believe that I am being retaliated against for filing disputes against Equifax. As a result, I being prohibited from apply for a credit card with XXXX XXXX Bank because they need me to unlock my credit report with Equifax and Equifax is retaliating against me for filing complaints against them for having FALSE information on my report and reducing my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I paid off my mortgage with XXXX XXXX XXXX in the amount of {$67000.00} that has not shown up on any credit reports as an account or loan and I have now paid this mortgage in full. XXXX XXXX XXXX gave me an audit control number of XXXX to call all 3 credit bureau 's. All 3 credit bureu 's have no clue as to what I am talking about and still have not even shown I ever had the loan with XXXX XXXX XXXX. This loan has been paid on time in advance each and every month I had the loan with no late payments. I want all 3 credit bureaus to show the loan and that it was paid in full. I should get alot of good credit for this loan. If it was negative credit they would have no problem reporting it.

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 2023-05-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/2023 I paid off my mortgage with XXXX XXXX XXXX in the amount of {$67000.00} that has not shown up on any credit reports as an account or loan and I have now paid this mortgage in full. XXXX XXXX XXXX gave me an audit control number of XXXX to call all 3 credit bureau 's. All 3 credit bureu 's have no clue as to what I am talking about and still have not even shown I ever had the loan with XXXX XXXX XXXX. This loan has been paid on time in advance each and every month I had the loan with no late payments. I want all 3 credit bureaus to show the loan and that it was paid in full. I should get alot of good credit for this loan. If it was negative credit they would have no problem reporting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The following inquiries i didnt authorize below : XXXX XXXX XXXX : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX 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 2023-05-22 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: MO

Complaint narrative:
Identified information in my consumer report is inaccurate and incomplete. Reporting company violated my right to privacy 15 USC 1681 section 602 A, and I want items removed 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 non-monetary relief
Consumer complaint received 2023-05-22 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: IL

Complaint narrative:
I have no affiliation with these creditors and I did not make this inquiry. Please remove it from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Each time I have tried to sign into my account, I received the message, Contact Please give us a call. We cant complete your request at this time. Please call the Customer Care team XXXX ( XXXX ). '' Ive tried to access my online account for several months. I have continuedly and tirelessly contacted the customer service line. 

Every time Ive called, I am told that it will be escalated. However, I never received any updates or confirmation. In the conversation with a representative prior to today, Monday, XX/XX/, I was told the best solution was to delete my account entirely and sign up again after ten business days. The rep. explained that they had put in a request to delete my account. Again, receiving the exact same message when attempting to log on. 

XX/XX/XXXX  Ticket number : XXXX XX/XX/XXXX  Ticket number : XXXX Today, I waited on hold for a supervisor for one hour, which I found is not uncommon. The conversation began and ended similarly : my concerns would be escalated and prioritized. The supervisor also stated that they did NOT have seen other ticket numbers, but later stated that they only found one other ticket number. The rep told me I should receive an email update within ten business days. I also requested everything in writing. 

Todays phone call took one hour and sixteen minutes to receive no new information, no solutions, or resolutions, just empty promises and the same responses that they are unsure why I can not log into my account, and it shows that my account works fine on their end. 

This problem has hindered me financially, as I have been unable to see or dispute disparities on my credit report. This particular Credit Bureau continues to show a drastic decline, and I do not know why. This process has been draining, unsettling, and confusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Received a loan you didn't apply for — 
Company: Post Lake Lending Inc.
State: CA

Complaint narrative:
Called and informed of stolen phone & identity, says nothing could be done about funds I never received that was stolen from my personal info on my phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-22 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: MI

Complaint narrative:
The Fair Credit Reporting Act entitles me to dispute any information on my credit report that I believe is inaccurate. This law requires that all data included in a consumer 's file be documented and validated before it can go live for use by creditors, so I take this seriously! The allegations of delinquency and derogatoriness against me are false. I will fight back with all my strength! The accuracy of your credit report is crucial. The allegations you are reporting do not meet federal or state requirements for reporting, so they can not be confirmed. I challenge this claim because it lacks compliance by meeting some basic standards that would make me feel more confident in what's being said! You are required to maintain and report data with complete accuracy and compliance.You must not report any claims that you know should be in compliance with regulations. We need to make sure all of your claims are accurate and reported in the correct format. This is required by law ( FCRA ) as well as reporting standards METRO 2+, so please take care with this! However, I request evidence that shows why my accounts are considered to be in a negative state. The proof of a permissible purpose for the inquiry or account within my report must be included. This letter serves as notice that you are not doing your job properly. It is imperative for this issue to be resolved immediately or else there could potentially be serious consequences, so I'm giving 30 days from now ( the date of delivery ) in which time hopefully everything can become clear and correct itself with no need for intervention or escalation! I would like to receive physical proof of your actions and my updated credit report. If the listed claims are found to be inaccurate, please provide accurate and verified information for each claim, as the allegations are not true. If that is indeed the case, I will delete them 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 non-monetary relief