vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: TOYOTA MOTOR CREDIT CORPORATION
State: WI

Complaint narrative:
I purchased my vehicle on XX/XX/2021 at XXXX XXXX in XXXX, WI. And when they were filling out the papers, they told me that they included many things in the warranty that were free and I told them that I didn't want them, that I only wanted the XXXX in case of an accident, but they continued and included things that I didn't want. XXXX weeks later I went to have them removed and they did not agree and I also called XXXX and they told me that even if I removed them the payment would remain the same. I considered it to be a scam. But until I saw about this lawsuit I thought that no one could help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 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 2023-11-21 00:00:00
Product: Credit reporting 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:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITY NATIONAL BANK
State: OK

Complaint narrative:
We lived XXXX  & had City National Bank in XXXX credit card. Moved to XXXX in XXXX, kept the XXXX credit card. Used the CNB cr card until CNB sold some of their banks to XXXX XXXX XXXX around XXXX XXXX XXXX Just after the CNB cr card balance was transfered to XXXX XXXX XXXX  XXXX sent a vendor refund to us back to the closed CNB credit card used on the original XXXX payment. Since then we've received CNB cr card statements with a credit balance of {$41.00}. In XXXX I called the old CNB XXXX XXXX  XXXX Bank & asked that CNB pass the XXXX refund on to the new credit card at XXXX XXXX XXXX or a check refund direct to us in XXXX  They said they could not. We received a CNB {$41.00} ck dated XX/XX/XXXX with a letter, CNB refunding the credit balance on the closed cr card. XXXX deposited at our local bank but CNB claimed " non conforming image '' and wouldn't clear the check for our bank. Our bank charged us {$10.00} & reversed our {$41.00} deposit. I called CNB customer service number on the cr card statements and they said that was their error & we should redeposit their check. We did, and again CNB would not clear the check & our bank reversed the deposit & charged us another fee. CNB tried to print better refund cks, but they are not good enough to clear. CNB won't issue a DB card for the refund or electronic transfer direct to our bank. " Refund '' check expires XXXX CNB is in XXXX XXXX XXXX XXXX too far for us to drive from XXXX  to cash in person. Help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
As written above. I have a Jet Blue Plus credit card from BARCLAYS Bank. My account is tied to another Jet Blue account and my user name and password will not allow me to change it so I can Have my own account separate from this other account. IT is HORRIBLE> They have NEVER contacted me on over 6 months and they can't seem to fix this. I am just asking them to delete my current user name and password so I can create my own account. 
I can not get on line to see ANY transactions since day 1. 
They don't even send me paper statements on the mail which has been requested many times. 
I NEED IT TO FIX This problem immediately. 
The customer representatives say they can't contact IT ... there is no telephone number that they can call. 
MY Case # is XXXX PLEASE, PLEASE help me. 
I will appreciate anything you can do. 
Thank you. 
XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
I found out the payment is gone through, but the previous complaint to XXXX XXXX XXXX XXXX did not go through. 

I just complained the payment. It looks like the payment went though with saved credit card by the amount of {$70.00}, before I would make sure the amount was right or not. Also, I tried to change this card to auto pay, but it did not work. I just want to make sure these questions, meanwhile, I will check whether the payment go through from the credit card side.

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 2023-11-21 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: GOLDMAN SACHS BANK USA
State: PA

Complaint narrative:
WHAT HAPPENED I applied for an Apple Card on XX/XX/XXXX on my iPhone and provided a copy of my state identification card. I got an email the following day stating that my application was denied because " we are unable to verify your identification information ''. I checked the information and applied again on XXXX with the same result. 
I called Apple Card support ( XXXX ) on XXXX to find out what was wrong ( I have a XXXX XXXX so gave permission for my husband to speak for me ). The representative told me to check that all my information was correct ( on my iPhone, Apple ID etc ) and be careful with uploading my ID card. I tried again using the Apple website and again got the " unable to verify '' email. 
My husband and I carefully checked our credit reports at all three credit bureau ( XXXX, XXXX XXXX XXXX ). All our information was correct. The only possible problem could be that XXXX had our previous apartment number as current despite also listing the more recent unit ( we moved within the same building one year ago ). We contacted XXXX to make this correction. 
Before applying again on XX/XX/XXXX, I called Apple to check if it was OK to proceed. The rep encouraged me to do so but my application was again denied because " You have applied a number of times and we can not verify the information you have provided at this time ''. I called back and was told that I should wait a couple of days and then apply again. 
To be safe, I waited until XX/XX/XXXX before applying again but was again got the " ... number of times ... '' email. I called Apple again to ask why this had happened after I had carefully followed their instructions. The rep said that she would transfer me to Apple ( XXXX ) to get help with the identification process. The new rep said she was with Apple support, didn't know why I'd been sent to her, and would transfer me to " Goldman-Sachs XXXX XXXX In fact, this was back to Apple Card because, while the reps pretend they're speaking for the bank, they don't! This time, the rep told me that I should wait for 2-3 weeks before applying again. I asked to speak with a supervisor and explained the situation but was told she could do nothing. 
MY COMPLAINT Apple Card 's automated application system is like playing the lottery. Their representatives can not help and so are restricted to giving tips rather than providing factual advice to help customers solve problems that may occur. I was not told why my identification was unsuccessful, encouraged to try multiple times, and then prevented from applying again due to an unrevealed limit. This is not the way a serious and fair bank should operate. 
My husband applied in XXXX and was approved within minutes! We have the same addresses, high credit scores and income so why should I have so much trouble?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
On XXXX XXXX XXXX, I wrote to you requesting an investigation into items that I believed were 
inaccurate, and falsely reporting. To this date only response that I have received was computergenerated letter stating that you have ceased investigation of my credit reports because, in your 
opinion, you believe that I have used a third party credit repair agency. Not only do I believe this to be a 
stall tactic on your part to grant you an additional 30 days to comply with my original request, but I 
believe it to be a blatant violation of the FCRA.
I have maintained a careful record of my communications with you for the purpose of filing a complaint 
with the FTC should you continue in your non-compliance.
I further remind you that, as in White v. Experian Information Solutions, 993 F. Supp. 2d 1154 - Dist. 
Court, (CD California 2014); you may be liable for violating the Fair Credit Reporting Act (FCRA) by 
recklessly failing to follow reasonable procedures to ensure the accurate reporting of debts discharged 
in bankruptcy and by refusing to adequately investigate consumer disputes regarding the status of 
discharged accounts.
I request this under 15 U.S. Code  1692g - Validation of debts. If information is not provided or the 
false reporting isnt removed; as in Wenger v. Trans Union Corp., No. 95-6445 (C.D.Cal. Nov. 14,1995), 
you may be liable for your willful non-compliance. Credit reporting laws ensure that bureaus report only 
100% accurate credit information. Every step must be taken to assure the information reported is 
completely accurate and correct. The following information therefore needs to be reinvestigated.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to bring to your attention an unfortunate incident involving Transunion 's erroneous reporting of my credit score. I believe this issue warrants your attention as it directly affects my financial well-being and potentially violates the Fair Credit Reporting Act ( FCRA ) guidelines regarding incorrect reporting and its adverse impact. On XX/XX/2023 Transunion information extracted by XXXX XXXX shows a decrease of XXXX in credit score. I contacted TU directly and the company verified no changes and no adverse information on my credit profile. XXXX XXXX asserts the information comes directly from the reporting agency. However, theres a significant discrepancy between the two companies. CFPBs previous complaint/response from the company states the score is accurate because I have a thin file. Im challenging the way Transunion is working and how they determine someone who is XXXX to have a thin file. I have attached a copy of my report which demonstrates 19 plus years of credit history with various accounts both open and close. In addition, the companys reporting of my credit usage is off by over 80 %!! Someone should file a class action suit against Transunion for its erroneous methodologies that have adverse impact on your ability to obtain credit.

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 2023-11-21 00:00:00
Product: Debt collection — Rental debt
Issue: Electronic communications — Frequent or repeated messages
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I was asked for all 3 credit bureaus to investigate the negative item on my report. I keep getting the same response but no update on credit report. I have not supplied proof under the doctrine of estoppel by silence, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I may presume that no proof of the alleged debt, nor therefore any such debt, in fact exists.

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I've had numerous issues since opening my Citi account with the promise of dedicated personal banking support, $ XXXX cash bonus, enrollment in the Citi subscription program, and inability to resolve general account support items or even attempting. 

1. I was to be enrolled in the subscription program in 60 days. It took Citi over 90 days to have this done despite numerous resolution calls, emails, and follow ups from me.

2. My transfer to Citi was not done based on what I discussed with my financial representative. My cash savings was to be put in a money market mutual fund upon transfer but was left in a non interest barring account. I had to contest this with my advisor it was wrong and ask for interest credit 3. Unable to use the electronic check depositing tool. There is an issue with the app and it's not allowing it. I deposited the same check with XXXX without issue 4. Wires are delayed multiple business days and no escalation is taken. I submitted a wire transfer on XX/XX/XXXX for $ XXXX. It was flagged by their fraud department and I wasn't notified until the XXXX. Citi 's systems were down so the wire never was funded to my XXXX savings account losing me 4 days of interest or {$90.00} 5. The Citi app is unaccessible and non responsive the majority of the time impairing mobile banking needs 6. Financial representatives I'm assigned to are non responsive to emails or inquires. It's taken me a week to find my advisor to execute a trade ( XXXX XXXX ). I've escalated to XXXX to be moved to another team 3 weeks ago but nothing has happened. 

At this point I want my $ XXXX promotion now and I'll exit my short banking relationship. This private client banking is anything but premier and has been a disaster

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 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: SC

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 confidentially under 15 USC 1681 : 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 


15 U.S.C. 1681 section 602 A states I have the right to privacy.

15 U.S.C. 1681 section 602 A : also states a Consumer reporting agency can not furnish an account without my written instruction.

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 reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-21 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Fidelity National Information Services, Inc. (FNIS)
State: MD

Complaint narrative:
Attached is original dispute w/ XXXX and a Police Report filled and approved by a law enforcement 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 2023-11-21 00:00:00
Product: Credit reporting 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 USC 1681.

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.

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 2023-11-21 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: First Technology Federal Credit Union
State: WA

Complaint narrative:
I requested a currency exchange with First Tech Federal Credit Union XX/XX/2023. They quoted me a value which I assumed to be reasonable ( {$200.00} USD for XXXX XXXX XXXX ), in addition to a exchange fee. I found out shortly after traveling the value they exchanged is roughly 30 % less than the current market exchange rate. Their exchange document which is unsigned, but has a clause which notes any differences in value will be kept, this was not mentioned when I completed the transaction. When requested to explain the discrepancy their response was : " Hello XXXX, just letting you know that our back office investigated it and saw no error with the exchange rate you were given for your currency exchange. The rates are provided to us every morning and they fluctuate daily, also the rate you find on XXXX is not true for all institutions. Individual institutions may have different exchange rates as well. Thank you for your patience with us and hope you have a happy holiday! '' This seems like theft?

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 2023-11-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Atlantic Union Bankshares, Inc.
State: MD

Complaint narrative:
My mortgage company wrote off my mortgage back in XXXX when we filed for bankruptcy and reduced the loan on their books but did nothing on my end. They also did another write-off around XXXX. I still make monthly payments but can not get the history online. I never knew how they applied my extra principal pay. The last time they reported my loan payments on my credit report was in XXXX. Now they are showing up on my credit report. My husband recently had XXXX so I'm behind on XXXX payments. They have destroyed our credit by XXXX points. I have made copies of what I am able to see, there are no statements or history available, only the last XXXX payments. If the mortgage was uncollectable back in XXXX and XXXX how can they now destroy and post to my credit report?

Company response to consumer: Closed with explanation