vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: NY

Complaint narrative:
I would never get statements via mail or email. They only had one number to call and most of the time it just told me it had technical difficulties and hung up. It's been atleast 2 1/2 months I've called atleast once every 2 weeks and they have had technical difficulties each and every time. I would like to pay them and get my account current once again I just don't know how to contact elan financial services any other way.

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 2022-07-10 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: EQUIFAX, INC.
State: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us representative but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report and FTC and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now I'm XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE I'm XXXX now.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us representative but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report and FTC and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now I'm XXXX  n cant provide to my XXXX XXXX XXXX  daughter PLEASE HELP ME PLEASE I'm XXXX now.

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 2022-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have XXXX promotional offers 0 % interest with my Citi Best buy card. 
One that is set to expire on XX/XX/XXXX and one that is set to expire XX/XX/XXXX. 
On the promotional offer that expires in XX/XX/XXXX that had a balance left of {$100.00} we made extra payments to clear the balance. 

During the month of XXXX and XX/XX/XXXX we made 5 calls to Best Buy XXXX credit card - asking them to apply the extra payments to the older promotional offer - each time we are told they take care of it. TODAY XX/XX/XXXX we talked again with another supervisor as we still have a balance of {$29.00} - after again making an extra payment on XXXX to clear the balance and it still went to the newer promotional offer. They told us again that is taking care of - if the balance is not cleared we are going to be charged over {$800.00} in deferred interest. It is unacceptable on what CITI is doing and how they have not been able to assist us. 

They are in breach of XXXX XXXX act and not applying the payments toward the oldest promotional offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Company keeps reporting medical debt. Updating it and not removing it. Cant furnish where I signed an agreement with them

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 2022-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  Account # XXXX, XXXX  XXXX Account # XXXX, XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX FCU Account # XXXX, XXXX XXXX XXXX Account XXXX XXXX, XXXX Account # 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 an account without my written instructions

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 2022-07-10 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: NY

Complaint narrative:
In accordance with the Fair Credit Reporting act ( FCRA ). My rights are been violated FCRA 15 U.S.C 1581 section 602 ( a ) 3-4, ( b ). ( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. ( b ) Reasonable procedures. It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, regarding the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

I am writing to have you remove account Number : XXXX Company : XXXX. 

I am writing to have you remove account Number : XXXX. Due to Inaccurate payment XXXX XXXX XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX  Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX Account Number : XXXX I am writing to have you remove account Number : XXXX. Company : XXXX Account Number : XXXX I am not the owner and never received a bill for 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 2022-07-10 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:
I went to a car dealership name XXXX XXXX  and XXXX XXXX XXXX they agreed to rum my credit one time when i left the dealership i found out the was running my credit behind my back alot of times.

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 2022-07-10 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
This is a report about a XXXX XXXX that I was approved for on XX/XX/2022. To date ( XX/XX/2022 ) I haven't even received the card yet but I got an email what looks like a message from XXXX, " Thanking me for my XXXX purchase with this credit card '' and it hasn't even been used yet. It wanted me to click a link to make sure I received my rewards.whic I DIDN'T do. 
None of your pre-screening data had this as a choice but after speaking to an XXXX agent he said I needed to report/forward the message to XXXX and your site. I quit using credit cards over 25 years ago but needed one to help drop the price of my truck insurance where they use credit scores to adjust your rates now. That makes no since to me but I want get into that here. 
I get alerts all the time about how someone stole a bunch of personal contact info and they want me to change my password. Millions of peoples persons had there information stole from a company and they want me to change my password? Sounds like a little work on their end needs work. It's never bothered me because nothing I have is worth stealing until now, when I have a credit card..

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 2022-07-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I have a checking account and a debit card associated with Bank of America. 

In XX/XX/2022, there are multiple fraud charges on my card coming from a city in XXXX. 

I am a resident located in XXXX, XXXX and I have never left XXXX. I also don't have anyone known or have relationship in XXXX. I have never been to XXXX which can be proved by my passport. 

The debit card was kept in a box at my home all the times. I am a credit card user and I only carry XXXX credit card with me when I'm outside. The debit card is not even in my wallet. I have only used the physical debit card one time in 2022 before the fraud which is XX/XX/XXXX for cash depositing. Then the fraud charges appears on XXXX. 

The facts above leads to a reasonable doubt that the ATM machine I used for depositing has been illegally modified and my card has been cloned. BOA does not protect it well against the criminals. I made the deposit at the official BOA drive-thru ATM machine located at XXXX XXXX XXXX XXXX 

Cleary these charges are not authorized by me or anyone I know. All of my previous charges comes from XXXX and this is my first international charge in XXXX. Based on my account history, it is obvious that these are fraud charges. 

Regrettably BOA denied my fraud claim and decides to put {$800.00} charge back to my account. BOA believes " The charge was authorized by you or made by someone who has permission to use the card or account ''. I don't see a single evidence or reason that supports this decision. 

As a loyal customer with BOA for 7 years, I am very disappointed at this time. As a well known bank, it can not protect its own ATM machines and tries to put all the responsibilities to the customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-10 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 U.S.C 1681 1 ) IXXXX XXXX XXXX XXXX XXXX XXXX account # # # # # # # XXXX has violated my rights Hard Inquiries XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX All account above have violate 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions,

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 2022-07-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
in accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 U.S.C 1681 1 ) XXXX XXXX XXXX XXXXY XXXX XXXX account # # # # # # # XXXX has violated my rights Hard Inquiries 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 All account above have violate 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 Section2 : It also states a consumer reporting agency can not furnish an account without my written instructions,

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 2022-07-10 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: SC

Complaint narrative:
XXXX  account is being reported although I have advised XXXX this is a fraudulent account that are being listed. I have also filed an FTC report on behalf of the XXXX  accounts listed on my report. 

XXXX XXXX ( XXXX XXXX ) is also still being listed on my Equifax although I have disputed this information several times as a fraudulent account. 

XXXX XXXX numbers : XXXX, XXXX XXXX XXXX  Account Number : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: TRUIST FINANCIAL CORPORATION
State: PA

Complaint narrative:
Truist Bank accepted a wire transfer of {$52000.00} on XX/XX/2022. The money transfer was initiated through XXXX bank. Truist Bank wire reference number is XXXX. 

XXXX bank ask for a recall of the fund on two different times and received no response from Truist Bank. XXXX XXXX spoke with XXXX XXXX XX/XX/2022 the manager at Tuist Bank and she said, any issues must be directed through the wire transfer department bank to bank. 

XXXX bank suggested I seek Legal Counsel.

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 2022-07-10 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: NJ

Complaint narrative:
In accordance with the Fair Credit Reporting act the reporting of the following accounts have violated my rights : XXXX XXXX card services. Date opened XX/XX/XXXX Account # XXXX. 

XXXX XXXXXXXX XXXX XXXX account # XXXX. 

XXXX XXXX XXXX  XXXX account # XXXX date opened XX/XX/XXXX XXXX XXXXXXXX XXXX XXXX account # XXXX. 

XXXX XXXX XXXX account XXXX XXXX. 

XXXX account # XXXX. 

XXXX XXXX  account # XXXX XXXX XXXX XXXX XXXXXXXX XXXX Account # XXXX XXXX XXXX XXXX. Account # 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 an account without my written instructions.

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 2022-07-10 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: NY

Complaint narrative:
I went to a car dealership name XXXXXXXX XXXX XXXX XXXX XXXX XXXX  they agreed to rum my credit one time when i left the dealership i found out the was running my credit behind my back alot of times.

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 2022-07-10 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:
I went to a car dealership name XXXX XXXX XXXX XXXX XXXX XXXX they agreed to rum my credit XXXXne time when i left the dealership i found out the was running my credit behind my back alot of times.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: OH

Complaint narrative:
I was buying flight tickets through an online travel agency in mid XX/XX/2022 with my Chase credit card. The travel agency is XXXX, and the tickets were for 3 people going from XXXX to XXXX. On my first attempt to purchase the tickets, the website told me that the payment failed. I then try again, because I knew my card was in good order. The pop up again notified me that the transaction failed. 
I later notice emails, and I believe app notifications or texts from Chase. They were suspicious activity warnings. They explained that the transactions were stopped, asked me to approve them, and says that this transaction was declined, so I would have to go back to the vendor and try again. 
I went back to the travel agency and tried to process the payment. It works. 
At XXXX XXXX the next morning. I got three order confirmations for the tickets. All three attempts went through, even though Chase said they were declined.. Note, it is not even possible for the tickets to be used. 
I go to my chase app to check if I was charged three times, and I saw three pending charges. The app said I can not dispute charges until they posted, so I waited to see if all three posted. 
Upon receiving my statement, I see three charges. I contact Chase, and they say they found the transactions to be legitimate. However, only one of the charges should of went through. Chase has refused to solve this issue, and the travel agency has went quiet.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-10 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: CA

Complaint narrative:
RE : XXXX XXXX XXXX XXXX Account XXXX XXXX Social Security Number : XXXX I believe the information on the consumer report is reporting inaccurately. 
Please verify this information is reporting accurately. Verify the date account was opened, balance, and my payment history. 

Can you verify the date of first delinquency? 

Im requesting the results of your reinvestigation in accordance with 15 U.S.Code 1681i ( a ) ( 1 ) ( A ) and a copy of my credit file. Please forward all correspondence regarding this matter to the address stated above.

Company response to consumer: Closed with explanation