vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-10-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Opening an account — Confusing or missing disclosures
Company: SYNCHRONY FINANCIAL
State: DE

Complaint narrative:
My wife had 5 IRA 'S in Synchrony Bank that she closed and opened a new one with all 5 ira 's for a higher rate. The interest rate offered at that time was 3.81 %. When they funded the new IRA they failed to add 1 IRA account and left out XXXX dollars out of another account. Therefore when I checked my wife 's account she was short over XXXX dollars. The bank did not contact me so I called and spent several hours on the phone getting the situation rectified. They should have picked up on the mistake and contacted me. This took 3 days to get it resolved. During that time the interest rate on a 5 year cd went up 20 basis points from 3.81 % to 4.01 %. Because the account was not fully funded I asked for the higher rate due to their mistake. Synchrony Bank refused. Because the account was not fully funded when the rate changed on Friday I feel I am entitled to the higher rate. Synchrony bank says you get the rate when the account is funded not partially funded. I am requesting the higher rate.

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 2022-10-25 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: PENTAGON FEDERAL CREDIT UNION
State: NY

Complaint narrative:
I always had a good credit score, pay credit cards regularly ; therefore, I never check my credit score. In XXXX, I saw my credit score decreasing and notice a fraudulent account that I have never opened on my record with Pentagon FCU. I reported it via XXXX and today received a confirmation that the information is accurate. I called this company because I am not aware of what type of account it is and what this bank even is. 

I am in the process of buying a house. This fraud prevents me from doing so, causing sufficient amount of pain and suffering, while it does not seem XXXX adequately investigated my fraud report. 

I have never opened an account with Pentagon FCU, I am not aware of this bank, never communicated with this bank, neither via mail nor otherwise. I have never thought their credit line, and I am not interested in their services. I have significant amount of credit cards enough to satisfy my needs, and I have always been diligent with paying for my credit cards. 


I have nothing to attach to this complaint because I have never opened such an account. The only thing I can report is a mistaken decision by XXXX to complete investigation without changes to my credit score.

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 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Chime Financial Inc
State: AL

Complaint narrative:
I filled a " fraudulent activity claim with " CHIME '' on XX/XX/XXXX. I complied with the information requested plus more by " CHIME '' My claim was denied multiple times. In 3 of my conversations with " CHIME '' I was sent to a supervisor in the fraud dept and these 3 supervisors upon investigation said that they have not even opened my supporting documentation. 

The only explanation given for denying my claim is " No errors found '' Even though I send all documentation plus to support my claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: CA

Complaint narrative:
My Credit profile is showing address 's that do not belong to me or that I am not associated with.

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 2022-10-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
Citi Bank has failed to give me the requested physical proof that the account showing on my credit report is verified and belongs to me. This is a violation of 15 USC 1681g ( c ) ( 2 ) ( E ). This is a {$1000.00} violation Citi Bank has included transactions on my credit report, which is a ( d ) ( 2 ) ( A ) ( i ). This is a {$1000.00} violation. 

Citi Bank has has furnished my report not in accordance to my written instructions. This is a violation of 15 USC 1681b. This is a {$1000.00} violation Citi has failed to send me any periodic statements for the alleged account belonging to me, which is a violation of 12 CFR 226.7 requires that a creditor to furnish the consumer with periodic statements. I did not receive a statement in XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, XX/XX/2022, nor XX/XX/2022. This is a {$1000.00} violation per occurrence. 

I sent a letter to Citi Bank on XX/XX/2022. I followed up by contacting. Citi Bank about my concerns in which the agent refused to address my concerns unless I made a payment. I also sent Citi bank a letter on XX/XX/2022 and did not receive any remedy to my concerns and rights being violated.

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 2022-10-25 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: MD

Complaint narrative:
Someone used my information to get a loan at XXXX XXXX and it now shows as a charge off on 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 non-monetary relief
Consumer complaint received 2022-10-25 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: MD

Complaint narrative:
Someone used my information to get a loan at XXXX XXXX and it now shows as a charge off on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Someone used my information to get a loan at XXXX XXXX and it now shows as a charge off on 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 2022-10-25 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: EQUIFAX, INC.
State: OK

Complaint narrative:
XXXX XXXX XXXX  is reporting derogatory information onto my account. I am hereby asking XXXX XXXX XXXX  to cease and desist in regards to this account. This notice is Pursuant to my federally protected rights. 15 USC 1692 ( c ) ( c ) Ceasing communication with the consumer. It says If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. A form of communication regarding the alleged debt is my consumer report which is directly affecting my credit worthiness. Please see the attached letter for full details.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: OK

Complaint narrative:
XXXX XXXX XXXX  is reporting derogatory information onto my account. I am hereby asking XXXX XXXX XXXX  to cease and desist in regards to this account. This notice is Pursuant to my federally protected rights. 15 USC 1692 ( c ) ( c ) Ceasing communication with the consumer. It says If a consumer notifies a debt collector in writing that the consumer refuses to pay a debt or that the consumer wishes the debt collector to cease further communication with the consumer, the debt collector shall not communicate further with the consumer with respect to such debt. A form of communication regarding the alleged debt is my consumer report which is directly affecting my credit worthiness. Please see the attached letter for full details.

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 2022-10-25 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Fay Servicing, LLC
State: OR

Complaint narrative:
Fay Servicing was given my loan from XXXX XXXX, who received from XXXX, who received from XXXX via as an original XXXX loan in XXXX. Issues started with XXXX demanding an escrow account of additional amount but did not apply extra payment to escrow, instead to principal/interest with large fees for shortage even though principal payments made as well each month on time. After mulitipal calls XXXX said to combine payments and they refused next payment and gave loan to XXXX XXXX. 

XXXX XXXX refused to correct XXXX overcharges of interest, insurance, and penalties accepting 3 payments with new loan at higher amount I refused to sign. XXXX XXXX then gave loan to Fay Servicing. 

Sending letters of issues to Fay Servicing as well as over 30 documented calls from XX/XX/XXXX to XX/XX/XXXX with no resolutions with most calls never returned. 

I was notified XX/XX/XXXX of XX/XX/XXXX sale date. I had a signed sale agreement and called XXXX with no return calls. On XX/XX/XXXX my buyer was able to get an answer and patched me into call to request time to close. Contact refused and would not allow us to talk to Manager, only leave manager message which was never returned. 

Fay Servicing has also not responded to multipal requests of owner of loan saying it was owned by XXXX XXXX and then XXXX who both have stated no outstanding loans. Then they said the loan was sold by XXXX to XXXX XXXX  last year who also had no record. I have sent them a copy of letter from XXXX stating loan was paid off in XXXX which concures with my employment contract from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: IL

Complaint narrative:
Hello! 

The Equifax breach exposed my information so Ive been very concerned about my consumer file. Per 15USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that XXXX is reporting inaccurates informations on my credit report. This is violations 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information. 

The reporting of the late payments are also not accurate!!! 
these should not have been reported in the first place!!!! THIS IS ILLEGAL This is an inaccurate direct violation 15 USC 1666b, Remove late payments Asap By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. It is my understanding that you will get the creditors to abide by my demands per Us law or be prepared to face some legal consequences! 


I tried to talk to the creditors and they turned me down. They hung up on me. 
They did not help my situation!! 

Now im demanding that these things be removed or prepare for {$1000.00} fines to be dished out! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: IL

Complaint narrative:
Hello! 

The XXXX breach exposed my information so Ive been very concerned about my consumer file. Per 15USC 1681, credit transaction, arising from credit cards should not be included on a credit report. This disputes are due to the violations that Experian is reporting inaccurates informations on my credit report. This is violations 15 USC 1681d defamation of character and you are now in violation of 15 U.S. Code 1611 Criminal liability for willful and knowing violation that you are reporting incorrect information.

The reporting of the late payments are also not accurate!!!

these should not have been reported in the first place!!!! THIS IS ILLEGAL This is an inaccurate direct violation 15 USC 1666b, Remove late payments Asap By the provisions of the Fair Credit Reporting Act, I demand that these items be removed from my report. It is my understanding that you will get the creditors to abide by my demands per Us law or be prepared to face some legal consequences! 


I tried to talk to the creditors and they turned me down. They hung up on me. 
They did not help my situation!! 

Now im demanding that these things be removed or prepare for {$1000.00} fines to be dished out! 

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 2022-10-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I received a dispute update letter from Equifax which stated the disputed item is not currently being reported on my credit file. It prompted me to check my credit score which is extremely low after they removed the disputed item. I filed a complaint about a business account reporting on my personal credit file. Before the inaccurate reporting, my score was XXXX and now after removing the business account my score is XXXX. When I tried to access my Equifax report they have me blocked from accessing it. My wife and I called Equifax and put through a validation of questions that were all answered accurately, they sent a link to my phone that could not be accessed. I requested to speak with a supervisor and was denied and they tried to make me upload my personal data through a link and hung up on saying they could not validate me, and I was being combative. Equifax have me block from reviewing my credit file and will not allow me to speak with a supervisor. They have removed accounts that were paid as agreed and reporting them as closed which affects my score, they have removed accounts that is current that I am an authorized user. They are trying to sabotage me. My {$15000.00} XXXX XXXX XXXX XXXX XXXXimited was dropped to {$1000.00} credit limit, my XXXX XXXX card was closed based on my credit usages. I have an excellent payment history before this I was getting preapproved offers.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
We used XXXX  from the same account we always use to pay bills. Then an email goes to my husband that says Citizens is pulling the money from a different account that we did NOT authorize. That will likely cause an overdraft and, knowing Citizens, they will have another excuse to charge ridiculous fees. I called the XXXX #, wasting my time and energy, to be told that the email is wrong. I DON'T TRUST IT. I am getting out ahead of Citizens screwing the consumer yet again. If I had time I would move my accounts. That is coming. But for now, we better not get hit with fees. 

here is the email : Payment to XXXX XXXX XXXX XXXX sent as a check Hello, Payments to XXXX XXXX XXXX XXXX are typically sent electronically, but this payment was sent as a check. Your check may be cashed, and the money withdrawn from your account, before or after the Deliver By Date. Please make sure you have enough money in your account to cover the payment. 

Recipient : XXXX  XXXX XXXX XXXX Account : XXXX Amount : {$2800.00} Deliver By Date : XX/XX/2022 Thank you for using Pay Bills. 

WRONG ACCOUNT!!!!!!!!!!!!!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # 's, XXXX # XXXX, XXXX XXXX XXXX XXXX  # XXXX, XXXX XXXX  # XXXX, XXXX XXXX XXXX 15 U.S.C 1681 section 604 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.

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 2022-10-25 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Problem with customer service — 
Company: CITIBANK, N.A.
State: HI

Complaint narrative:
On XX/XX/22 I called Citibank 's Citigold customer service and placed an order for XXXX euros to be delivered to my home. My wife and I are heading to XXXX for our XXXX wedding anniversary and I wanted to utilize the Citigold 's XXXX XXXX service to obtain currency before the trip. The customer service agent took down my information including the address where the euros were to be delivered. The agent read me a disclosure asking me to assume responsibility in the event that the money was lost because I was having it sent to an address other than my physical address. I agreed and the agent gave me a confirmation number for the transaction # XXXX. They then told me my order was accepted and the euros would be delivered on Monday. When Monday came and the euros did not come I checked my account and saw the transaction had not been processed. I waited until Tuesday and called customer service. The agent saw my order but could not tell me why it had not been fulfilled. The agent indicated they would have to reach out to that department and call me back. Later that day the agent called back and told me that the other department " cancelled the order because it was not going to my physical address and they don't send euros to Hawaii ''. I have used this service in the past and had currency sent to my Hawaii address. I spoke with the agent and apparently they had no intention of informing me of the cancellation and she could not tell me why or when the service had been changed. 

The marketing material for the service ( copy attached ) does not indicate that the bank excludes customers from this service based on the geography they live in. I don't think the bank should be able to not provide a service to a customer who lives in a US state or territory based on their geographical location if they are willing to accept deposits from those customers.

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 2022-10-25 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: TX

Complaint narrative:
Hard inquiries XXXX XX/XX/XXXX XXXX XXXX- XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX- XX/XX/XXXX XXXX  XXXX - XX/XX/XXXX XXXX of XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX US SM Bus Admin - XX/XX/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 2022-10-25 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: PNC Bank N.A.
State: OH

Complaint narrative:
In Accordance with the fair credit reporting act XXXX  account number 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-25 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: HCFS Healthcare Financial Services of TeamHealth
State: OH

Complaint narrative:
In Accordance with the fair credit reporting act XXXX account number 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.

Company response to consumer: Closed with explanation