vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
Long time customer of Zales, Has Zales Credit Card through Commenity bank. History of using the 0 % for 12 / 18 / 36 months. Went to make a payment and the interest was back charged in the amount of XXXX at 30 % interest. Called to ask to settle without the back interest and pay balance in full. I have spoken with their disputes department XXXX which initially relayed they could flip an 18 month no interest into 36 months, then once she saw when we purchased the item she then relayed because it was during the month of XXXX they can not file a dispute against the interest from the purchase date. Transferred to their hardship program who wants to penalize me close the account and still charge $ XXXX on what was down to {$13.00} K balance and keep a 30 % Interest rate. They will not negotiate or offer additional assistance. This is within a 30 day window of them adding the charge, we received no notice via email which statements are paperless and their website does not recgonize user ID which is a fight to even get into our account. We remained on hold over 2 hours between departments with answers of I am very sorry we can't help you. In asking to speak with higher managers who can help being we are a long time customer of the company and paid our last balance of over $ XXXX within the year of purchase we are not receiving any help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-26 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: GA

Complaint narrative:
Equifax Consumer Credit Reporting Agencies is unlawful posting of debts to my credit files pursuant to The Consumer Credit Protection Act Title VI - Public Law 91-508 - United States Statutes at Large 84 stat 1127-1136 & The Fair Debt Collection Practices Act USC Title 15 section 1692, and the Fair Credit Reporting Act USC Title 15 section 1681 I have filed disputes and equifax still reporting the 12 inaccuracies on my credit file Credit Reporting agencies have the lawful duty to notify the alleged creditors of this dispute according to USC 15 section 1681 ( i ), ( 2 ) Prompt notice of dispute to furnisher of information ( A ) In general Before the expiration of the 5-business-day period beginning on the date on which a consumer reporting agency receives notice of a dispute from any consumer or a reseller in accordance with paragraph ( 1 ), the agency shall provide notification of the dispute to any person who provided any item of information in dispute, at the address and in the manner established with the person. The notice shall include all relevant information regarding the dispute that the agency has received from the consumer or reseller. This matter has been disputed and after CREDIT REPORTING AGENCIES take the required action of notifying the other parties listed herein I am demanding that this inaccurate information be removed pursuant to USC title 15 Section 1681 s-2 which states, USC Title 15 section 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.i reported Professional Financial Service for fraud and you have failed to block this account from my file pursuant to 15 U.S.C 1681 ( c )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
This was a case of Banking While XXXX I entered the Truist location on XXXX XXXX XXXX, XXXX Tx XXXX. I went to open an account for my business, however, the banking manager has different plans, he 1st asked for the documents for my business like normal, then upon review, he tells me my office is showing up on XXXX as a different business well this is because its a shared space, and any of those other business also have the right to list it as their principal address, however, this is where I pay a monthly lease to conduct business therefore its not some virtual space that doesnt exist. The Banker XXXX XXXX, refused to open the account at that moment, stating my address isnt valid without providing ( physically or verbally ) any published information stating this to be fact. He just told me if I dont want to open an account with truist then I dont have to Very rude, extremely combative, I work 50 % from home and 50 % in office. Even if this were the case where my business address cant be used to open the account, I should still be able to open the account using my home address. However, this option was never presented.This is illegal to not present all options and against their policy. I believe I was discriminated against simply because the XXXX of my XXXX. I filed a complaint with truist the complaint numbers are XXXX and 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 2022-08-26 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: MECHANICS BANK
State: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: DISCOVER BANK
State: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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 open end consumer credit pans as late for 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 2022-08-26 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: JPMORGAN CHASE & CO.
State: SD

Complaint narrative:
My chase sapphire credit card had charged {$98.00} on XX/XX/2022 i been trying ti dispute i been in contact with them regularly and sent email attachments on XX/XX/2022 i did not hear anything but a run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: CA

Complaint narrative:
CFPB has already worked on this dispute. Please see complaint ID XXXX. Paypal had credited me for the charge but they have charged it this month again. I had cancelled the membership. They now have it under review again but they are taking too long. This purchase was about how I wasn't able to start the course as they force you to have a phone call first. I tried without the call because they were too busy to schedule one right away but it didn't work as they blocked access until the call was made. I finally got a call but found out that in order for this course to actually work they upsell you their services which cost an additional {$3000.00} to {$12000.00} which I am in no way willing to do. I please ask for a refund. I have already cancelled the subscription also. Thanks.

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 2022-08-26 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
We applied for a mortgage at US Bank on XX/XX/2022. Recently, media reported that XXXX had misreported some credit scores during this time ( https : XXXX ). 

We asked US Bank two times ( once via email to our broker on XX/XX/2022 and again on XX/XX/2022 through the in app messaging service ) to check and see if our scores were affected and they have not replied either time. I believe they owe us the courtesy of a yes/no answer, and if the answer is " yes '', an explanation of how the misreporting affected our mortgage rate. 

Thank you very much.

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 2022-08-26 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: BANCO POPULAR DE PUERTO RICO
State: AZ

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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: FL

Complaint narrative:
I am a natural person, I am a living human being, I have right under 15 USC 1681. Experian & XXXX are governed by 15 USC 1681, and Experian & XXXX has violated my rights numerous times. I demand the accounts listed below to be removed because according to 15 USC 1681 : I have the right to privacy and I did not give Experian & XXXX written permission to furnish this account : XXXX XXXX  XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with additional add-on products or services — 
Company: Affirm Holdings, Inc
State: NY

Complaint narrative:
I received an alert for an unauthorized transaction from Affirm for {$740.00} and a down payment has been taken from my checking account tied to my Affirm account for {$140.00}. Ive made an attempt on multiple occasions to dispute it with Affirm and have gotten no response and instead a denied dispute decision and they would add detail without informing me that I needed to provide proof for the dispute. Ive contacting the merchant XXXX and was told that only Affirm can handle fraudulent charges. I sent over that conversation to Affirm and was still denied. How can I further proof for a transaction that I didnt make. They have been messing with my name and my credit since XXXX and contacting them never seems to work. 

Loan ID : XXXX Disputes : XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX XXXX on XX/XX/XXXX Ive called them on multiple occasions as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: MD

Complaint narrative:
I have asked the credit bureaus to do Theral review of my credit report, they did but i have found improper even after they did. but i did research and found improper even after they did the Theral research. Account # XXXX XXXX XXXX XXXX XXXX In accordance with the fair credit reporting act XXXX account # has violated my rights 15.u.sc 1681 section 602A section 2 : it also states a consumer reporting agency can not furnish an account without my writing instructions. 
this what is being don't to consumers is not fair and should not be allowed, there need to ne some changes, i am hoping this helps understand my situation and these account gets removed from my records for never to return.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: RI

Complaint narrative:
I have already filed complaint against Bank of America because of fraud and a scam on BOA phone app concerning XXXX. I have gotten a resonse from BOA apparently BOA thinks that I am not a victim of fraud or a scam, because my complaint was denied. What happened to Regulation E

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 2022-08-26 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 — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed that my name was misspelled, have incorrect addresses and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. My information was also impacted by the Equifax data breach and they have got into the hands of the wrong person. I demand that this incorrect, inaccurate, and unverifiable information on my credit report be immediately removed, this is a violation to FCRA. Here are the following date disputes was sent, XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/2022 XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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:
In accordance with the fair credit reporting act has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the rights of privacy.

15 U.S.C 1681 section 604 A.Section 2 : It also states a consumer reporting agency can not furnish a account with out my written instructions. 

Accounts/Accounts # XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2022-08-26 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: CA

Complaint narrative:
There were 3 payments of {$790.00} to be made. The first payment was made with my XXXX credit account and has already been credited ( XXXX case no. XXXX XXXX Second payment and last because membership has been cancelled, was made through XXXX using my Citi Costco account. I have contacted both XXXX and Citi and they are just giving me the run around. I don't understand as XXXX credited the first payment and now this second one is just a nightmare. The service I purchased is supposed to be a step by step XXXX XXXX  that is way to expensive to begin with for what they promise. It is from last year, outdated big time and requires way more money than what was outlined for the business. The tools needed are way more expensive also. In total this is a waste of time and money. They are selling something that can easily be found on XXXX and their promise was that by purchasing this I was getting something no one else knew about.

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 2022-08-26 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: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: Santander Consumer USA Holdings Inc.
State: GA

Complaint narrative:
In accordance with the fair credit Reporting act 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 response to consumer: Closed with explanation
Consumer complaint received 2022-08-26 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In XXXX of 2022, I retreived a copy of my credit report and I notice two ( 2 ) unauthorized inquires on my Transunion Credit Report. I contacted the companies who pulled the credit report. Each company told me they did not have any information of me applying for an auto loan. I ask them if I could receive something in writing stating i did not apply for a loan threw their bank. I also contacted TransUnion to make them aware of the unauthorized transaction. TransUnion told me Car Dealerships have the right to run your credit and send it to as many banks as they would like, even if you don't authorize the transaction. 

I explained to TransUnion that I had my own financing, so there was no reason for the dealership to run my credit and submit applications on my be half to a least six ( 6 ) institutions. 

TransUnion refuses to remove inquires with a police report, I call my local police and they don't take police reports for this. 

Per the FCRA guidelines if the inquires are unauthorized the Credit Bureaus have to remove the inquires. Transunion is failing to protect me as a consumer

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 2022-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: Chime Financial Inc
State: AZ

Complaint narrative:
Account Ending In : XXXX Claim ID : XXXX Date Error Reported : XX/XX/2022 Claim Total : {$900.00} I have attempted to resolve this issue with Chime Financial multiple times. They refuse to treat me fairly & give me a proper investigation. On XX/XX/2022 I attempted to add {$900.00} to my XXXX XXXX XXXX XXXX declined my transaction to add funds but the {$900.00} was still removed from my chime account. I followed up with XXXXXXXX XXXX after the transaction cleared in my chime. XXXX XXXX support did a screenshare with my phone & confirmed the funds did not go through nor post to my account. I asked where did my funds go & XXXXXXXX XXXX was unaware & advised me to contact my bank. 

I have attempted to resolve this matter with XXXX but they have stated they did not receive any funds. The {$900.00} is showing deducted from my account ending in XXXX. Despite my best efforts XXXX has not been able to assist me with funds they deducted out of my account. XXXX is claiming they have never received the funds. I believe they did & it should have been added to my XXXX XXXX 

I contact my bank after they advise me to contact my bank which is chime financial. I submitted a dispute on XX/XX/2022 and within 24 hours my dispute was denied. I filed a Rebuttal & i included additional evidence that supports my claim and shows that the transaction was denied as well as communication between me and the merchant confirming I did not receive those funds on my XXXX XXXX and Chime Finacial still denied my claim I reached back out to XXXX XXXX and they advised me that chime financial has yet to contact XXXX XXXX regarding this matter so I am not getting a proper investigation.

Company response to consumer: Closed with explanation