vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-01 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: OK

Complaint narrative:
I am being charged by XXXX ride company on my Citi card monthly for rides I did not take. 
I disputed the charge but XXXX wants me to prove that I did not take the ride. So credit card charges were not deleted after I disputed the charge to Citi Bank. 

I have repeatedly tried to contact XXXX but am unable to reach them to dispute the charge. 
The charges are on my credit cards statements for XX/XX/XXXX and XX/XX/XXXX. 

The XXXX app does not allow me to delete my account. It seems they purposely make it hard to delete account or delete payment method. I have been unable to make the changes on my XXXX XXXX. and they do not have a contact method by email or phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01 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: Atlanticus Services Corporation
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX account, has violated my rights. 

15 USC 1681 Section 602 Staes 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 may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
VIOLATION AGAINST 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 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 insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Inaccurate and false information is being reported while the bureau is continually " verified '' the information. If is has been verified as correct then why is is different via 2 different bureaus. SEE ATTACHMENTS Clearly nothing has been verified, I DEMAND THAT THE BURAU REPECT CONSUMER RIGHTS AND DELETE THE FALSE ACCOUNT NOW. 

DELETE 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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Please remove these inaccurate accounts from my credit report, it's not mine I'm not aware of these accounts, and this is Under USC 1681g, delete this within 15 days. 
See the documents attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
I was offered a {$300.00} promo credit for adding a new checking account with Chase Bank. I used the promo link they provided which automatically applied the promo code ( XXXX XXXX XXXX XXXX ). The terms required setting up a direct deposit which I did. 

I created the account on XX/XX/2022 and the {$300.00} bonus was supposed to be added on XX/XX/2022. That never happened. I have called and spoken to Chase representatives on more than 5 occasions now. Each time they have promised a resolution and it had yet to happen. As of my last phone call on XX/XX/2022, Chase has claimed that no promo code was ever applied to my account. This is false.

It appears Chase is either intentionally attempting to defraud me, or their customer support in inept beyond belief.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: GOLDMAN SACHS BANK USA
State: GA

Complaint narrative:
On XX/XX/2023 I received an offer from Marcus Bank ( goldman sachs ) for a {$100.00} bonus if I activated the offer on my existing account and deposited at least {$10000.00}. I completed these activities. Today, XX/XX/XXXX, Marcus emailed me " your account is no longer eligible '' for the bonus without any reason. I met their requirements and they can not just revoke the offer once it has been accepted without due cause.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: DISCOVER BANK
State: TX

Complaint narrative:
I was provided a letter ( which Discover sent to the CFPB as well ) that had an inaccurate portrayal of events leading to the closure of the account along with a phone number, business hours and a contact name ; however, Discover has blocked my account from customer service assistance. When I call the number provided, I receive a message, " We can not service your call, please visit us online. '' Now, when I go online, I receive a message that the XXXX XXXX XXXX can only be reached via phone. 

I am being completely blocked from all communication regarding my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On XX/XX/XXXX ( Saturday ) at XXXX I deposited cash into the drive thru ATM. Once I deposited the cash a message came up on the machine saying that there was a malfunction and the system did not reverse the deposit and give me my money back. Instead I was told to " enter a forced deposit amount '' into the ATM. I did not know the exact amount of cash but I am certain it ranged from $ XXXX {$1000.00} ( XXXX days of work ). 

On XX/XX/XXXX ( Monday ) there was a deposit correction for {$840.00}. Rather than taking out {$160.00} and leaving {$840.00} remaining in my account, they took out {$840.00} out of the {$1000.00} in my account and I was only left with {$160.00}. I quickly went to the local branch to explain this situation and sat down with a banker and we put in a dispute. On XX/XX/XXXX I was given an {$840.00} provisional credit while they investigated my claim. 

On XX/XX/XXXX the bank reversed the provisional claim and stated that their investigation did not find anything and that the deposit amount was correct. 

Again, I quickly called and spoke with a manager from TD Bank customer service and put in another claim for investigation. The manager told me that it may be because they only checked the deposits from that monday ( XX/XX/XXXX ) and not over the weekend. 

It has now been over a month dealing with the bank and not having the money I deposited from back in XXXX, which I need right now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
Lawsuit for Wells Fargo : Hello I am checking to see if I was eligible for the current lawsuit that was filled against Wells Fargo. I had an Auto Loan with Wells Fargo Deal from XX/XX/XXXX to XX/XX/XXXX. And am currently still banking 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 2023-02-01 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: TX

Complaint narrative:
This is XXXX XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and XXXX XXXX XXXX XXXX XXXX Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

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 2023-02-01 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: NC

Complaint narrative:
My credit report lists an address that does not belong to me. I have lived at the same above address for over 20 years. I have never had a post office box. The incorrect address is : XXXX XXXX XXXX, XXXX, NC XXXX. Please delete this post office box address so that it does not show up on my credit report. 
I would also like to have the following 7 companies investigated and deleted from my credit report. Ive never had any accounts with any of these companies and dont know how they ended up on my credit report. 

The 7 companies are : XXXX XXXXXXXX XXXX XXXX  XXXX XXXX Bank XXXX XXXX XXXX XXXX XXXX Please correct the above information for me and mail me a copy of an updated and corrected credit report to the above address.

Ive included a copy of my NCDL, SS card, and a bank statement to prove my identity, as well as my mailing address.

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 2023-02-01 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
VIOLATION AGAINST 15 U.S. Code 1681 - Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 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 insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. 


Inaccurate and false information is being reported while the bureau is continually " verified '' the information. If is has been verified as correct then why is is different via XXXX different bureaus. SEE ATTACHMENTS Clearly nothing has been verified, I DEMAND THAT THE XXXX XXXX CONSUMER RIGHTS AND DELETE THE FALSE ACCOUNT NOW. 

DELETE ACCOUNT XXXX XXXX XXXXXXXX

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 2023-02-01 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: 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 USC 1681. 
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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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. 
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 explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: REGIONS FINANCIAL CORPORATION
State: TN

Complaint narrative:
I was at the regions Bank on XXXXXXXX XXXX XXXXXXXX XXXX about XXXX in the XXXX I proceeded to put my {>= $1,000,000} check into the deposit smart ATM after the interactions and the going through the prompts the machines spit my card out but it did not give the check back there was no funds loaded to my card there was no check cashed I didn't receive any money and the check did not come back out of the machine and so I am XXXX off it was a check for me to go and pay the down payment on my house today at XXXXXXXX XXXX I was supposed to meet my realtor and I had to call and save that I have no money nothing out of XXXX I'm XXXX off I would like something done about this I need to get my money back my house is on the line it's my first time home buyers and it was going to be a good day today and then this XXXX happens what the XXXX  I want my money back I want it 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 monetary relief
Consumer complaint received 2023-02-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Atlanticus Services Corporation
State: MA

Complaint narrative:
I got a lady today stating that my credit card company Aspire wants to Increase my " monthly maintenance fee ''. First of all I never new I had a maintenance fee, how can I get out of debt when I am paying all of these fees. This just started in XXXX so I wasn't aware of it. My account is in good standing and I never missed a payment, always pay more than what is expected etc. So I call there today and directly get someone in Account Services and right away the guy on the phone assumed I had called to discuss the changed in terms on monthly maintenance fee which apparently I was never told about but generically told In my terms that I may be not how much or when. So now I have this letter that is telling me not only do I have a fee that just started in XXXX now I am going to have to pay more as of XXXX. 

I think this is predatory to the borrower and a way to push the borrower to cancelling their account but why bother giving me an account in the first place. I pay my bills on time and more that what is due each month. Also I was told that even if my balance is paid off I still have to pay the month fee. 

Help me XXXX XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: WELLS FARGO & COMPANY
State: NC

Complaint narrative:
I am involved with the class action lawsuit against Wells Fargo regarding being wrongfully charged a higher rate or additional fees on an auto loan. 

I had an auto loan with Wells Fargo Bank between the years XXXX and XXXX and I think I may have been impacted.

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 2023-02-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: National Credit Systems,Inc.
State: IL

Complaint narrative:
I have been requesting for this company to send me validation of debt to clarify everything about this alleged debt but not only they have failed to send me information, but they are also reporting false information to the credit bureau which is damaging my character. My information may have gotten to the hands of the wrong people and this may be the result of such an incident.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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: Continental Finance Company, LLC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX  account, has violated my rights. 

15 USC 1681 Section 602 Staes 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 may not treat a payment an a credit card account under an open and consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 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:
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 account number # XXXX has violated my rights. 
XXXX ) XXXX Account number # XXXX XXXX ) XXXX Account number # XXXX XXXX ) XXXX XXXX  account number # XXXX XXXX ) XXXX  account number # XXXX XXXX ) XXXX account number # XXXX XXXX ) XXXX  Account # XXXX XXXX ) XXXX XXXX  account number # 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 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 item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-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 explanation
Consumer complaint received 2023-02-01 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: MA

Complaint narrative:
This is XXXX XXXX please do not deny my complaint by stating that I filed this by some other means than myself. This is done 100 % by me. The stuff on my credit report is wrong and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports no consent is fraud.

Company 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 2023-02-01 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: Shellpoint Partners, LLC
State: VA

Complaint narrative:
Last payment received on XX/XX/2023 but they reported it as currently delinquent as on XX/XX/2023.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: WELLS FARGO & COMPANY
State: RI

Complaint narrative:
Was laid off from my job. Have been trying to apply for financial hardship adjustment but to no avail. Interest and fees seem to keep increasing

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