vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I believe some identify verification information may be incorrect, because Im unable to access my credit report online. I called Experian to get help with this, and accidentally froze my credit report from their XXXX  XXXX, and now I cant unfreeze it because I cant log in and though their phone recording and web content say you can unfreeze via the phone, there is no actual way to do so via the phone numbers provided. 

Ultimately, I want my identity information corrected so that I can do online ID verification for this and other unrelated services that rely on credit check for login, but I imagine I have to unfreeze my report first. 

Thank you.

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 2022-07-22 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My name is XXXX XXXX. I have been a Bank of America client since XXXX. With an impeccable credit record within the bank. 

In XXXX I was the target of a bank scam. Since a person deposited a check to my bank account and Bank of America credited it to my account immediately. 

The person identified with the name of XXXX XXXX made a deposit with check No. XXXX on XX/XX/XXXX from XXXX XXXX to my Bank of America account XXXX for {$9700.00} ( see attached file ). He told me it was a mistake of his assistant. He sent me a copy of the deposit and my bank did too. He requested the return by XXXX. Seeing that the money was credited and available in my account, I assumed that it was really a mistake and I was prodceed to return the money in XXXX transfers through XXXX for the amounts of {$3000.00}, {$2900.00}, {$2700.00} to email : XXXX in the name of XXXX XXXX ( see attached files ). Later, on XXXX, XX/XX/XXXX, the money {$9700.00} was decredited from my account, since the check had been canceled. I notified my BOFA bank, the operator told me that I should write to the FBI and I did ( see attached file ). 

To this day I have never received a response from Bank of America. 

I recently read in the news that US senators are forcing banks to return money to customers because these XXXX transfers are considered authorized by the customer but induced by the bank by showing the customer as available money that has not yet been approved.. 

Also, I have read in the news that in New York, a federal judge forced Bank of America to return the savings to all customers who were the target of bank scams for the benefit fund. 

In this sense, I want to clarify that I am a XXXX XXXX XXXX XXXX XXXX XXXX I work for a XXXX XXXX and I earn my money honestly and it seemed unfair that unscrupulous people carried out this fraud and Bank of America did not issue any communication. There was no response. 

In XX/XX/XXXX I was at a Bank of America banking agency in XXXX, XXXX, I made my claim again and I was practically mocked for what happened to me. 

Attached to this communication all possible evidence and the XXXX Complaint Referral Form, Internet Crime Complaint Center ( FBI ).

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 2022-07-22 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: SYNCHRONY FINANCIAL
State: IA

Complaint narrative:
On XX/XX/2022 I purchased 2 suits on XXXX totaling {$470.00}. I subsequently returned both suits to XXXX because they did not fit. on XX/XX/2022 I was refunded for one suit totaling {$230.00} to my Dick 's Sporting Goods Credit Card. I call XXXX customer service let them know they had only refunded me for one suit even though I returned both suits. The agent I spoke with said he issued the remainder of the amount to be refunded and it would be credited to my Dicks credit card in 4-5 business days. The refund never came through so I filed a dispute with Dicks Credit card. XXXX then issued the refund on XX/XX/2022. The charge was later rebilled on XX/XX/2022. I call XXXX once again on XX/XX/2022 and the agent indicated that because they had already issued the refund and Dicks rebilled it that I now had to take it up with Dicks. That same day I called the customer service number on my Dicks statement and was rerouted 7 times by the agent I spoke with claiming it was the wrong number to address my issue. I was looped back to the same agent repeatedly who insisted that he was unable to help me. I still need to be refunded the remaining {$230.00} by Dicks Sporting Goods. 

I also paid my bill on time by XX/XX/2022 and have the confirmation email to prove it and it shows online that my bill hasn't been paid and is late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-07-22 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end 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 non-monetary relief
Consumer complaint received 2022-07-22 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: NY

Complaint narrative:
I had used a credit card from Citizens Bank in XXXX XXXX NY on XX/XX/2022 for a gravestone for my husband who passed away XX/XX/2022 to XXXX XXXX for an initial payment of $ XXXXUpon checking the balance of my checking account for more than a week, I found out that {$1000.00} were twice deducted on XXXX called the customer service of Citizens Credit Cards on XX/XX/2022 and spoke with XXXX via phone and told me that the {$1000.00} will be refunded/returned to my checking account within 4 days and I told her as well that I have some autopay due within that time. After 4 days the {$1000.00} was not yet returned to my checking account and my outstanding balance was {$3.00}. I tried to call the customer service of the bank and even went personally to the bank but the answer was to try to call the Credit Card Customer Service. On XX/XX/2022 an agent of Citizens Debit card named XXXX and XXXX yesterday from their chat web were both contacted with no avail to my problem

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: IN

Complaint narrative:
On XX/XX/2022, Isent a letter to the courthouse asking do the report bankruptcies to the credit bureas and I got a letter stating '' They do not report any bankruptcies to anybcyody. '' So if thats the case. How did the credit bureaus edify my bankruptcy as 100 % Accurate. They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term ''investigative consumer report '' means a consumer report or portion thereof in which iformation on a consumer 's character, general reputation, personal charactericstics, or mode of living is obtained through personal interviews with neighbors, friends, or associates information shall not include specific factual information on a consumer 's credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

They credit bureaus violated my given rights under USC 1681.

According to U.S.c 1681 section 602 A. States I have the right to privacy.

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 2022-07-22 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: BARCLAYS BANK DELAWARE
State: TX

Complaint narrative:
I had my Barclays Priceline Travel Rewards XXXX for years ( maybe XXXX? ) and had been in good standing for the last several years with a credit limit of {$6500.00}. 
I received a letter in the mail last weekend ( XX/XX/XXXX ) that my account had been closed due to late payments missed. 
I was confused, as I knew I had paid my account down to {$0.00} sometime in XX/XX/XXXX. I logged into my account, and I saw a balance of roughly {$55.00} that had accumulated from interest and late fees from said interest over several months. After I paid my balance with Barclays down to {$0.00} in XXXX, a XXXX statement posted with {$1.00} in interest. I had no knowledge that this statement existed, or I would have happily paid it. After paying the balance to {$0.00} in XXXX, I never logged into the account until receiving the letter this XXXX. No attempt to contact me was made, other than statements that were posting to a junk folder in an email I no longer use. 
I have settled the outstanding balance with Barclays upon receiving the letter, but in return, my credit score has dropped XXXX points from the account closure and missed payments, and Ive lost a line of credit that Ive had for years. When I contacted Barclays I was told nothing could be done and I filed a complaint to have someone contact me. I have not received any communication from them since filing the complaint. I am beyond frustrated that ZERO attempt was made to contact me via phone ( which is on file ) or post about the outstanding balance, other than the letter that arrived 5 months later stating that the account had already been closed - ruining my credit score and removing my access to this line of credit. Its about more than the estimated {$55.00}, this has deeply impacted my ability to obtain other lines of credit and will take years to repair. I feel cheated that not one customer representative tried to contact me to collect payment, solely relying on an automated service that was hanging in limbo in an abandoned email account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: DISCOVER BANK
State: AL

Complaint narrative:
I applied for a secure card for Discover, I made a deposit of {$200.00} and after a long time I received my card. I unlocked it and tried to use it, but I was not able to do so, because they put my account in a credit bureau fraud alert ( I have no idea why they did that ). Then I called them, tried all possible ways to use the card but without success. But after that, due to this difficult to use a simple credit card I asked them to close the account and refund my money on XX/XX/XXXX. Since then, I'm trying to talk to them by message, because I can't talk to then using the phone, but they never give me an answer about when my refund will be issued. All that I want is my money back and they never give me the information when they will do that and how this will be made.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act 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 a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end 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 2022-07-22 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXXt Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

Bankruptcy XXXX XXXXdischarged Filed on XX/XX/2013 Reference 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

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 2022-07-22 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:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

Bankruptcy XXXX XXXXXXXXdischarged Filed on XX/XX/2013 Reference number : XXXX XXXX5 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 response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 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: NM

Complaint narrative:
XXXX XXXX Not my account or charge

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 2022-07-22 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: DISCOVER BANK
State: OH

Complaint narrative:
Back in XXXX of XXXX, I was a victim of credit card fraud and identity theft. I filed a police report and everything. The person had stolen my social security and was able to log into all of my online bankings and change my passwords and apply for cards in my name that I didnt even know existed. I am XXXX  and Discover gave me the run around. I had to get my mom involved with XXXX before they finally refunded me and froze my account like i had asked. But I did not involve my mom with the discover, as she was busy and so was I. I am a XXXX XXXX XXXX XXXX  and I was working full time and also have a XXXX XXXX XXXX XXXX  before I was XXXX. I had called discover multiple times while in school, while trying to study and complete my schoolwork, trying to get it resolved. They opened an investigation and cleared some of the dispute in my favor. However there were ATM withdrawals from my discover card, and I had never made atm withdrawals from my card so I reported it immediately. I dont even think they helped me to freeze my account initially and didnt believe that someone had hacked into my online banking. At this point I wasnt even able to log in to verify myself!!! I couldnt even verify myself because of what the fraudster had done. When asked for proof that It was me who had done the withdrawals they just said the investigation said it was me. They didnt send me anything in the mail about the results of the investigation. And to this day are calling my mom, my dad, after I had blocked them because they kept calling me and would not resolve my issue saying i had to pay them back. Whenever on the phone with them I would get transfered to person after person after person. And no one could tell me why I was directly responsible. I contacted an attorney general and know my rights under FCBA and if they dont resolve this case I will press further. I know that I could be entitled to them refunding the money and possibly even double for all the time that they have given me the run around. I will never own a discover card again. Some of the people I spoke to on the phone were very rude and not respectful at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-22 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Confusing or misleading advertising or marketing
Company: FC HoldCo LLC
State: MO

Complaint narrative:
I was led to believe that i was doing business with XXXX XXXX XXXX in XXXX XXXX Missouri and was going over the contract shortly after to see that the contract was sold right at the point of sale. Because the APR was extremely high and i didnt know at that rate if i would be able to afford it and i noticed that the contract said the finance would change daily which is another worry i had i know my credit wasnt the best and they didnt give me another option. But my problem was the TILA requires me to be able to return the vehicle in 3 days but they put a No Cooling Off period in the contract which made me tie my money up in the vehicle that i really dont have im a single mother of two and live pay check to pay check now i got to the point where im not paying on it because i cant get anywhere with the company that the loan was sold to which is FlagShip Credit Acceptance every time i ask about it they refer to me owing for the last couple of months and now just put my suv on the default department as of XXXX so it will be repossed anyday and i will have no way to work this whole ordeal has ruined my credit and is complacating my life. I dont know what else to do with the high loan rate and the violations these compianes are commiting i know as a consumer i have rights that protect me and i feel that ive been taking full advantage of. I wouldnt of enter in the contract if it woudve been explained to me in a langague that i could understand and rates that I could afford. As ive been researching i see violations of XXXX XXXX and FTC as i never seen nor recieved a opt out notice from nithier company annual or at the begging when i signed im in closing a copy of my contract. And you will notice there is not a no privacy policy anywhere on the contract which again is required per policy. I want them to make this right so i can get my life back on track instead of them ruining my credit and everything else by taking the truck i will lose my job and therefore want be able to support my family thank you in advance for looking into this matter i will be waiting on to hear from you.

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