vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-14 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
XX/XX/XXXX I made a complaint with CFPB ( Case # XXXX ) after not being able to speak to a XXXX regarding my issues with payments and interest being credited correctly. The response to the complaint, dated XXXX XXXX, was that they would waive the interest totaling {$15.00} and attached my ledger. The information on this ledger is not what is listed when I log online. I noticed I was charged interest starting XX/XX/XXXX. I only signed the contract XX/XX/XXXX. The {$15.00} credit was not put on my account. Instead they charged {$120.00} to my account on XX/XX/XXXX. I called and left a message with the Senior XXXX XXXX XXXX ( XXXX ext. XXXX ) who wrote the letter, he never returned my phone call. I have called the normal customer service number to speak to a supervisor. I'm always told that someone will call me back, however I have not received a call back since XXXX. I would like to go through my entire account to rectify any issues and questions. 

XXXX. Why was I charged interest for dates before the contract was signed? 
XXXX. Why was the interest not adjusted based off of actual payments received? 
XXXX. Why was I charged an additional {$120.00} on XX/XX/XXXX? 
XXXX. On XX/XX/XXXX I was told by customer service representative that these charges, although they are shown on my ledger that I received from XXXX and they show up on my payment history online, she did not see the charges on her end and to just disregard them. 

It is almost impossible for a customer to speak to a supervisor with this company because they are " busy '' however when a customer service rep needs to consult with a supervisor about an issue, the supervisor seems to be available for those interactions.

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 2023-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Unexpected or other fees — 
Company: OLD NATIONAL BANCORP
State: IL

Complaint narrative:
I had an unauthorized charge to my checking account XXXX. These 3 companies charged my account while I was online applying for a personal Loan. My personal bank information leaked out to these 3 companies. They explained to me they had returned the withdrawals on certain dates. I should have had a small amount left in the account after the Overdraft fees were erased. I shouldn't have had overdrafts fees to begin with : // I was online and applying for a loan and these 3 charges showed up on my account with checks written to my account.They got ahold of my account #. I tried to cancel over the phone and she wouldn't take no for an answer. I called back the next day to cancel and they said they'd cancel all 3 charges and put the money back ; ( $ XXXX # XXXX, phone # XXXX, XX/XX/XXXX / $ XXXX # XXXX, phone # XXXX or XXXX, XX/XX/XXXX, / $ XXXX # XXXX, phone # XXXX, XX/XX/XXXX. They claimed they returned the XXXX XXXX {$17.00} on the XX/XX/XXXX, -and XXXX XXXX XXXXXXXX {$29.00} on XX/XX/XXXX, -and {$31.00} the XX/XX/XXXX. I have an Overdraft laim f {$140.00} and a missing check of {$31.00} from XXXX XXXX. The Old National Bank took my charge card, closed my account and sent it to collections.

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 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have taken every necessary step to ensure that the credit bureau ( XXXX, Transunion, XXXX ) updates my personal information, yet they have not done so. Not only have I asked them multiple times, I have also followed up with them and provided them with the relevant information. Despite this, they have still failed to make the changes. It is deeply concerning that they have neglected to comply with 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 explanation
Consumer complaint received 2023-08-14 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: NJ

Complaint narrative:
Violated the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demanded to see verifiable proof ( i.e. : an original consumer contract with my signature on it ) that they have on file for the account listed. Invalidated information by Equifax was not removed which constitute fraud under both Federal and State Laws. Due to this fact, negative mark are found on any of my credit reports.

Violation of the Fair Credit Reporting Act Section 609 ( a ) ( 1 ) ( A ) Violation of the Fair Debt Collection Practices Act 15 USC 1692g

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
The data furnisher failed to provide correct and accurate contact information on the consumer credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 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: TX

Complaint narrative:
The data furnisher failed to provide correct and accurate contact information on the consumer 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 explanation
Consumer complaint received 2023-08-14 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
On XX/XX/2023, XXXX  student loans wrote off and closed an account with student loans worth {$10000.00}. This was unbeknownst to me for several months till I had to file for a loan and got rejected a few weeks ago. Upon reviewing my credit report I noticed a write off from XXXX student loans. This is a loan for which I am a co-signer. 

The loan was put on a disbursed schedule during the pandemic and XXXX had never informed me when the disbursement had ended. Furthermore XXXX had never informed me and I had never received either through email or mail that the loan was about to be written off. 

This write off has destroyed my credit score that I have worked so hard to build. I had the means to pay for it all this time but XXXX had never given me the opportunity to do so but rather sent it to write off without any notification whatsoever. I believe that that is a violation of consumer protection law and thus I appeal that this write off be removed from 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 explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Deposits and withdrawals
Company: Block, Inc.
State: FL

Complaint narrative:
Back in XX/XX/2022 through the XXXX of 2022. There were some fraudulent deposits into my bank account which was linked to my cash app account. They deposited fraudulent checks then withdrew the money right away and then did some transactions in my cash app also trying to and they did a purchase through bitcoin. I spoke with Cash App to try and resolve this and get my money back and they denied me. It was in a total of about {$3000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Although transunion, XXXX and XXXX  have their own/individual reports, each of companies are reporting similar information that is/has impacted my credit report/scores. For example, my wife and I have purchased four properties in the State of Florida and each of the properties has been paid off for at least 16 years, yet the credit reports are saying in part " we have little or no mortgage payment history. ' Therefore, our credit history and reports are damaged with inaccurate information and lenders are would be lenders are viewing us as a risk because we don't have a mortgage or pay rent. How can the data reporting be tailored to those consumers that does not have a mortgage or pay rent, and the consumers be giving an increase in their scores for paying off their debts earlier rather than later? Also, why are consumers being impacted for 2 or less " hard inquires '' in a two-year period? Also, why are consumer being impacted by not have $ XXXX or more in revolving accounts? What improvements can you all provide consumers who pays off their credit cards each month, because lenders are assuming that minimum payments are being made on those 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 2023-08-14 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: NH

Complaint narrative:
The company has put a collection of debt on my credit report yet the original debtor has the account on my credit reprot as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Back in XX/XX/2023 both my checking and savings account were closed by Citibank, i spoke to a Citibank representative and stated that my account was being closed and i will be receiving my funds in a cashier check through mail XXXX days after the account was closed. Its been over 70 days now and i have not received any checks by Citibank. I call in Citibank to get an update of my funds and i get transferred to many departments ( fraud prevention, security department ) and no one seems to give me an answer. There response is the back office has to email us back with an update. Ive called so many times for over 3 weeks now and get the same response. They give me a call back date and no one seems to give me a response or just hang up because i am no longer a account holder, i ask so who knows where my funds are at, and all they can respond is I dont know. This situation is getting really frustrating. 

I have received bank statements through mail and it shows that my funds were pulled out of my accounts back in XXXX XXXX. So it has been over a month now that my funds are no longer in my account.

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 2023-08-14 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: ID

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
I have 2 credit cards with Bank of America and I paid my balance in full on both. They sent me a bill for an additional interest charge telling me I have to pay off my balance 2 months in a row without additional charges to no longer receive a bill. Also, the entire finance charge is due vs. having a minimum payment. The agent told me that is because I paid my account off the rolling interest charge doesnt have a minimum due. So basically, I paid my account off and I no longer qualify for a minimum payment but because of purchases that roll over, I still qualify for an interest charge. Pretty sure this is some type of fee gouging. When you pay an account off, you dont expect to get another statement saying you still owe more. Not all credit card companies practice this because Ive paid off quite a few. My credit card balance was {$9800.00} and I paid {$9800.00} BEFORE my due date and I then got another statement for an additional {$160.00}, which is only interest. And that is due in FULL by my due date, no minimum. They could not tell me what balance that interest was determined from either. And again, not all credit cards practice this.

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 2023-08-14 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Confusing or missing disclosures — 
Company: Paysend US LLC
State: FL

Complaint narrative:
I have been trying to send money for a week with this company, they have withheld the money for supposedly verification. Every day they have asked me for something different to send a photo of myself, to send a photo of my cards. I asked that I take a photo together with the cards, that I send a birth certificate, that I send proof of life and a number of other things that I think this company is a scammer

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VT

Complaint narrative:
I was informed by the housing service ( XXXX XXXX ) today XXXX XXXX XXXX  that I have a fraud alert on my personal information via TransUnion. I tried on multiple occasions to contact Transunion. I can not get through their automated screening nor talk to an operator. Extremely frustrating.

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 2023-08-14 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: NY

Complaint narrative:
XXXX XXXX, EQUIFAX and XXXX is currently in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX XXXX, XXXX and EXPERIAN is XXXX in violation of 15 U.S.C. 6802 ( a ) ( b ) ( 1 ) ( A ) ( B ) ( C ) which states : ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title. 

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option. 

And 15 U.S.C. 6803 ( a ) ( 1 ) ( 2 ) ( 3 ) which states : ( a ) Disclosure required At the time of establishing a customer relationship with a consumer and not less than annually during the continuation of such relationship, a financial institution shall provide a clear and conspicuous disclosure to such consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, of such financial institutions policies and practices with respect to ( 1 ) disclosing nonpublic personal information to affiliates and nonaffiliated third parties, consistent with section 6802 of this title, including the categories of information that may be disclosed ; ( 2 ) disclosing nonpublic personal information of persons who have ceased to be customers of the financial institution; and ( 3 ) protecting the nonpublic personal information of consumers.

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 2023-08-14 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: TX

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts on these accounts. I am never been late in this account.

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 2023-08-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I want your help to remove this bankruptcy in my credit report because this is not okay and Bankruptcy should not be reported in my credit report as said by the Court and you don't even have the means to make sure that you are reporting this 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 explanation
Consumer complaint received 2023-08-14 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: NC

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. Please Block and remove it. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-14 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: GA

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation