vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I was recently denied my own credit on XX/XX/22 for an apple card from Goldman Sachs Bank Usa. XXXX XXXX XXXX XXXX which is adverse action under Equal Credit Opportunity Act. I exercised in good faith Pursuant to 15 usc 1691 ( a ) ( 3 ) when I filled out my credit application for an apple card. Pursuant to 15 usc 1602 ( e ) I, the natural person credit is my right. Pursuant to 15 usc 1602 ( f ) I am the original creditor who regularly extends credit. My credit card was used pursuant to 15 usc 1602 ( l ) in this consumer credit transaction which is an open-ended credit plan. Goldman Sachs Bank USA did an unauthorized use of my credit card Pursuant to 15 usc 1602 ( p ) at which I the card holder receive no benefit. I have sent a letter certified mail to Goldman Sachs Usa, XXXX XXXX XXXX XXXX demanding my right to my own credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: 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. 

XXXX XXXX XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL

Complaint narrative:
XXXX XXXX XXXX fifth third bankXXXX XXXX XXXX XXXX someone cloned my card, accessed my online account and withdrew XXXX $ from an atm. I filed a police report with the XXXX XXXX XXXX XXXX and XXXX  refuses to give me a provisional credit and I asked why and they said they listed no reason. I asked if they wanted the police report number and they said no. This is my rent money and I need it. If they allowed their servers to be breached along with all my personal information and my bank account they need to make it right and give me my money back now

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
Experian is not properly reporting all of my payments. Experian is not reporting payments made in XX/XX/2016. I have tried in good faith to rectify this with experian and they do nothing with my investigation. I am keeping all of my claims and disputes that I have filed for a civil suit against Experian. They refuse to investigate my claims and marked my last dispute as a duplicate. Of course nothing was done by Experian. I am yet filing another complaint in hopes of Experian correcting my credit report to reflect all payments made to prestige XXXX XXXX. XXXX XXXX XXXX reported a payment made XX/XX/2016 and Experian refuse to update all payments made.

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 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
MY BALANCE INFORMATION IS INCORRECT ON MY XXXX  XXXX ACCOUNT ENDING IN XXXX AND XXXX XXXX  ACCOUNT ENDING IN XXXX. THIS ACCOUNT INFORMATION IS UNTIMELY AND INACCURATE. PLEASE UPDATE BOTH ACCOUNTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: LA

Complaint narrative:
MY BALANCE INFORMATION IS INCORRECT ON MY XXXX  XXXX ACCOUNT ENDING IN XXXX AND XXXX XXXX  ACCOUNT ENDING IN XXXX. THIS ACCOUNT INFORMATION IS UNTIMELY AND INACCURATE. PLEASE UPDATE BOTH ACCOUNTS.

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 2022-11-04 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I've previously reported to Chase 2 unauthorized transactions on my account : XX/XX/2022 {$120.00} XX/XX/2022 {$110.00} Total : {$230.00} Chase is refusing to reimburse me for these fraudulent transactions in violation of federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have placed an online order on XX/XX/2022, Order # XXXX, the order amount was for {$580.00}, I have returned all items on that order, however, only received a refund for {$440.00}, I did not receive a refund for {$130.00}, I have called customer service 4 times and was always told that they apologize and it will be refunded to me within few days, it has been XXXX weeks now with no success. I was even told that it was refunded to me, although my current credit card balance reflects that this amount has not been refunded to 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 2022-11-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
Hi, I am writing in regards to the Citi ( R ) Accelerate Savings that I opened this summer. I ultimately decided to close the account with the help of an agent over the phone about a month after opening the account. This was back in XXXX / XXXX Once my account was closed, I was no longer able to sign into Citi using my login credentials. Today, I received an email saying that my savings account was overdrawn- {$3.00}. As my account is closed, I am not able to log into the Citi portal to view my balance or retrieve the account number. I've also destroyed the debit card that Citi sent me when my account was closed as the Savings account was the only product I had with Citi. I called the Citi support number, I was repeatedly asked to provide an account number which I do not have as this is not information that is contained in emails from Citi and again, I can not log in. I have called twice and received no help from the agents over the phone as I was told repeatedly I need to provide a debit card or account number. The account has been closed since XXXX and I am now being charged monthly account fees out of the blue of {$4.00} for an account I don't use and closed with a Citi agent over the phone to ensure it is closed correctly.

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 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Choose according to account type. These can be combined I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX .... Tx XXXX XXXX XXXX .... XXXX XXXX .... Original CreditorXXXX XXXX... has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c. ( 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 1681 s-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 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TX

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 U.S.C 1681. 

XXXX XXXX XXXX XXXX .... Tx XXXX XXXX XXXX .... XXXX XXXX .... Original CreditorXXXX XXXX... has violated my rights. 

15 U.S.C 1681 Section 602 A. States I have the right to privacy : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 15 U.S.C 1681 c. ( 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 1681 s-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 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: 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. 

XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX # 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 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 items of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or had reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 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: SYNCHRONY FINANCIAL
State: CT

Complaint narrative:
I disputed a charge is on my credit card over a year ago. I had ordered an item with overnight delivery it showed up several days later than expected so when XXXX came to the door I told the driver I was refusing the shipment she said no problem. It was returned to the merchant I do have a proof of delivery from XXXX that says shipment refused merchandise returned to merchant. I disputed the charge I called the merchant several times to no resolve. I have literally spoken to synchrony bank probably XXXX times regarding this matter. I have since closed the card and it is now affecting my otherwise perfect credit score. They call me from an automated service every day But I am unable to speak to a person they send me letters but nobody will resolve this matter. I am hoping that you will be able to assist. I never received the item I will never pay for it but it is affecting my credit score which is quite disappointing from a large bank like synchrony. My cell phone number is XXXX if you should need to speak with me Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: ALLY FINANCIAL INC.
State: NJ

Complaint narrative:
This account was paid off on XX/XX/2022 to Ally Financial. I received a notarized pay off letter and the vehicle title. It was closed and marked as paid. It was then reopened and marked 30 days late on XX/XX/2022.

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 2022-11-04 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MD

Complaint narrative:
My prior servicer, XXXX, informed via letter dated XXXX that my loan would be transferred to Fifth Third Bank N.A. on XXXX. Fifth Third informed me of the transfer in a letter dated very late, XXXX, which did not reach my home until XXXX, at which point the payment was late. The envelope was not postmarked or dated, and was OPEN, UNSEALED in my mailbox. What kind of nonsense is that?

When attempting to create an online account and login using my home computer, Fifth Thrid 's website asked excessive questions regarding my loan, and claimed it could not " verify my device ''. This " device verification '' is utter nonsense - I work in tech, no idea what nonsense this is. 

The website referred me to the automated phone system, which sent me in circles, asked me for ATM pin numbers ( I don't have a consumer banking account ). I then was able to log in via the bank 's app, after the login appeared to fail. I was able to see my loan, but was told by the app that I did not have a " valid payment account '', with no way to add any of my existing bank accounts. 

I believe A ) Fifth Third is scamming app users into creating consumer bank accounts with them for the pleasure of paying their mortgages. 
B ) Fifth Third set me up to fail by informing me of the transfer and providing instructions far too late, and will hold this late payment against me, my XXXX XXXX, and that of my spouse. 

Fifth Third 's practices are lazy, unethical, and they clearly do not have their house in order as it relates to account and website security. Why are these shady practices allowed and tolerated?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
CEASE AND DESIST I, XXXX XXXX, consumer, and natural person, am aware of all rights I have, and which are protected by The Congress under the Fair Credit Reporting Act ( FCRA ). Your company has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 ( a ) ( 1 ) ( 2 ) ( 3 ) ( 4 ) ( b ). As a reporting agency that has assumed the role of assembling and reporting information on consumers such as myself, the FCRA requires that it is done so in a manner that is fair and equitable. Your company illegally reported private information and sold it to other reporting agencies, including XXXX, XXXX, and Transunion. I did not grant your company permissible purpose to report it, and I have not been notified that this information is being provided to the highest bidders. The alleged debt was during a time in my life of struggleXXXX XXXX issues, and XXXX  anguish. I have since sustained further emotional and XXXX  damages because of your company 's unfair and deceptive practices. I am currently rebuilding my life, but your companys willful disregard of my privacy and its reporting has damaged my character and is hindering my ability to provide for my family. As the consumer and natural person, I am invoking specified remedy and make the following demands : - Cease and desist reporting Account ( Acct # ) XXXXXXXX XXXX XXXX XXXX XXXX  {$9300.00} - XXXX XXXX XXXX XXXX XXXX XXXX  {$0.00} {$0.00} XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX {$250.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX {$0.00} {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Inquiry XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX INQUIRY to your consumer reporting agency. 
- Remove reporting from all consumer reporting agencies. 
- Provide acknowledgment of this official notification that I am opting out of your reporting. 
Do not report ANY information bearing my identification. 
Ignoring this Cease and Desist will be evidence that the infringements were willing, deceptive, and in violation of the FCRA. 
Regards, 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 2022-11-04 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account 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 2022-11-04 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account 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 2022-11-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act, they have violat ed my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 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 2022-11-04 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: NY

Complaint narrative:
I want this late payment deleted from my account within 15 days, this is not mine, I'm not aware of this, Under USC 1666b. 

XXXX Account XXXX XXXX

Company response to consumer: Closed with explanation