vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-13 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: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
On XX/XX/2022, I disputed a transaction for a total of {$56.00}. The financial institutions opened the case : Claim ID : XXXX and submitted it to the merchant. On XX/XX/2022, I received a letter from the financial institution stating the transaction was VALID, and I accepted the merchant 's Terms and conditions. On XX/XX/2022, I tried to re-dispute the trade mentioned above, but the credit card company denied proceeding. However, I did not receive the merchandise was not and/or received it very late. Furthermore, I do not accept the Merchant Terms & Conditions agreement. 

Additionally, the financial institutions are not following the XXXX XXXX and XXXX XXXX XXXX XXXX. 

Moreover, the financial institutions were violating the 1005.11 ( c ) ) ii ) Act because they failed to provide to the customer the provision credit as required by law. 

1005.11 ( c ) ) ii ) Act ( ii ) Informs the consumer, within two business days after the provisional crediting, of the amount and date of the provisional crediting and gives the consumer full use of the funds during the investigation.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: FL

Complaint narrative:
I was checking my credit report and noticed that a couple of companies that I didnt know are did business on my credit report I tried writing them but they didnt operating right

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: BARCLAYS BANK DELAWARE
State: NY

Complaint narrative:
On my XXXX XXXX Credit Card from XXXX Bank, I had a credit balance of {$8.00} from clothing items that were returned in XXXX. 
On my XXXX from XX/XX/2022 the credit balance of $ XXXX was removed, and in transactions it stated that a credit balance refund was applied. 

I placed a call to customer service and explained that I DID NOT make a purchase, and I DID NOT receive a check for the credit balance, so why was the credit balance removed? 
I requested a check number if, in fact a check was sent, and no check number could be provided. 

I was told that they didn't know what happened to my money and they opened a " case ''. XXXX weeks later, still no answer as to why it was removed, and why no check was issued. The credit of $ XXXX was not returned to my account. I know this is not a lot of money, but they are not authorized to just remove money from my 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 2022-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have great credit history and have scores I pulled yesterday of XXXX, XXXX and XXXX. 
when I was having a lender check Credit Bureaus for Refiance of a Rental Investment Property, they used XXXX scores of XXXX, XXXX and XXXX when I have paid my only mortgage showing on my credit bureau successful with no negatives. 
Why do they continue to use these low figures? They are a privately run group vs looking out for consumers and work with Lenders to get the most money they can. 
there are no breaks due to XXXX either with helping. I am XXXX XXXX XXXX with good credit and Social Security XXXXRental Income and should be able to refiance my Investment property. These bureaus are keeping people down as they want us to pay higher interest rates. 


XXXX : Number Mortgages XXXX Score XXXX XX/XX/2022 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 2022-08-13 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have great credit history and have scores I pulled yesterday of XXXX, XXXX and XXXX. 
when I was having a lender check Credit Bureaus for Refiance of a Rental Investment Property, they used XXXX scores of XXXX, XXXX and XXXX when I have paid my only mortgage showing on my credit bureau successful with no negatives. 
Why do they continue to use these low figures? They are a privately run group vs looking out for consumers and work with Lenders to get the most money they can. 
there are no breaks due to XXXX either with helping. I am XXXX XXXX XXXX with good credit and Social Security XXXXRental Income and should be able to refiance my Investment property. These bureaus are keeping people down as they want us to pay higher interest rates. 


XXXX : Number Mortgages XXXX Score XXXX XX/XX/2022 XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: CA

Complaint narrative:
I am new to selling a home and buying a new home. The mortgage lender did not disclose the need to supply an additional large amount of money to close my loan. I often reached out to ask why each XXXX disclosure seemed wrong. I was continually assured the cost to close would be as discussed when all the numbers were entered from the underwriter. The company has tried to say I knew all along. I have never received ( after repeated emails, phone calls, etc ) offering an explanation. I have only been told they are sorry but I am short $ XXXX to close. The company continues to try to bury their errors by increasing my loan amount and still requiring an additional $ XXXX to close. No accounting has been offered to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: U.S. BANCORP
State: MD

Complaint narrative:
This mortgage was bought from my original mortgage company XXXX for the amount of {$250.00}, XXXX on XX/XX/XXXX. As a government employee I qualified for settlement monies that are free after 5 years and has nothing to do with US Banks mortgage or their balance. US Bank is trying to count monies that they having nothing to do with to give the dishonest impression I owe them more on my mortgage than the {$240000.00} reflected on my mortgage statement. That is dishonest because if I move before the 2 years is up I would need to pay the money back to the State of Maryland and not US Bank as they are implying on the credit report. I only financed a mortgage for {$250000.00} on XX/XX/XXXX. They are giving the incorrect impression that I have only paid leas than XXXX toward the principle of their mortgage since XX/XX/XXXX which is being dishonest. I request they report the mortgage balance owed to US Bank only and to correct the balance to all XXXX reporting agencies.

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 2022-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
On XX/XX/XXXX I received an alert from XXXX XXXX that XXXX XXXX XXXX added information to my credit report that states my last payment was late and that it was a write off as bad debt. They closed this account without giving me the opportunity to pay off the remaining balance. And my last payment was not late. I feel this is retaliation for the first report I filed against them on another account. This false information dropped my credit score XXXX points.

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 2022-08-13 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 — Other problem getting your report or credit score
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Since I turned XXXX XXXX XXXX on XX/XX/XXXX, I have tried to activate my free membership on Experian. I have called, emailed, and sent letters through their website. I receive multiple emails asking that I activate my account, but it always gives an error and says that I need to call your customer service number. When I call, they say they can not authenticate my identity and I must wait XXXX hours and call back again. I have called over and over and am always told to wait and call back again. This has occurred more than XXXX times when calling since XX/XX/XXXX. 

The customer service representatives have forwarded me back and forth between the dispute center and the membership center, and each says that it is a problem with the other side of Experian. I have received a printed copy of my credit report and confirmed that all the information is correct so there is nothing to dispute. I have a current freeze in place and have the pin for that freeze. I have included copies of my passport, XXXX XXXX bank statement, and can provide any information needed. 
Now, I am caught in the middle and still can not access my credit report online. When I call, they say they can not authenticate my identity and I must wait XXXX hours again. This puts me at risk for identity theft because I can not access the information online or manage my credit freezes. Furthermore, I have uploaded my documents on your website to confirm my identity and have submitted escalation requests to correct these issues, all so I can activate my free online membership. Every time, I receive a reply that Experian can not complete my request for setting up a free membership. 

My most recent escalation number is # XXXX. I have asked that any accounts set up under my social security be deleted so I can set up a new online account. I am sending all this information by mail so you will confirm that this has all been corrected on my account, as I havent been able to solve this on the website or by the phone. Every time I call, the representatives say that there is a different reason that my membership can not be authenticated. I have gone around and around in circles for more than 6 months, and have asked my mom ( XXXX XXXX ) to help by calling as well. 

I need Experian to fix this issue so I can activate my free membership with a new email address. I will use the following email to set up a new account once the others have been removed : XXXX Although they opened an escalation ticket, I have gone through this process of escalation several times and am not hopeful that this will actually be resolved without help from the CFPB.

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 2022-08-13 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: MI

Complaint narrative:
This is not a duplicate and is being filed by myself, XXXX XXXX XXXX, XXXX filing this complaint because my mortgage loan was not approved by the bank because of this account opened in my name due to identity theft. I did not open this fraudulent credit card account opened by by a person with the name XXXX with XXXX Bank. This was already investigated by the XXXX Police Department back in XXXX it was concluded that this account was not opened by me at that XXXX XXXX XXXX my identity. This account is still showing active on my Experian credit report which automatically denied my mortgage application. I am not responsible for this account because it was opened fraudulently and this account needs to be removed from 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 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
my complaint is in regard to my account with the XXXX XXXX through XXXX Bank. They have been falsely reporting that I had a delinquent account with them since XXXX of 2022. I had made a payment in XXXX for the amount of my entire amount of the account of {$610.00}. i now had a XXXX balance. The company had charged me interest on my old balance, even though it was paid, and never notified me. Until XXXX of 2022 I had no knowledge of there being a balance on the account until I had had received a notification from credit Karma that my score had dropped XXXX points due to a delinquent account of XXXX days, and upon logging in and checking I found that it was comenity bank. when i called their customer service and spoke to them about my situation, it was determined that due to a billing and/or clerical error, i had not been responsible for the account delinquency, and that by XX/XX/XXXX of 2022 my account would be rectified, and returned to normal status as well as receiving a credit for the issue. I received the credit on XX/XX/XXXX as promised but saw no change to the reporting to the credit bureau. Knowing credit reporting changes take some time i did not fuss, and about a month later in XXXX of 2022 I decided to take advantage of the + {$200.00} credit I received and made a purchase of $ XXXX, and with the credits I received on the account, and with what is on my last statement, I should only owe {$220.00}, and my utilization of the card would be at 47 %. Literally the day after my purchase, and use of account credits, my credit limit was dropped on the account by {$250.00}! changing my utilization rate from 47 % to a credit damaging 97 %! this if an unfair business practice and fraudulent. upon seeing this I contacted them yet again and they told me all I can do is dispute it to the credit agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Company is TransUnion. On XXXX I called them to lift a fraud alert on my credit file. The representative first insisted that there was no fraud alert on my file, and kept reading from a script. I knew that was incorrect. He then said there IS a fraud alert on my account, and I reiterated that I wish him to remove it. He returned to his script which was unresponsive, and when I tried to stop him to get him to do what I had asked, he left me hanging for XXXX minutes and then discounted the call. This is the worst customer service I have experienced in my XXXX years of life. In addition, and perhaps less importantly, it took XXXX minutes of inputting all requested data in response to multiple prompts before I was able to reach a representative.

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 2022-08-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
Someone opened a back account under my name with Bank of America and I called the bank and will try to solve my problem

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 2022-08-13 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:
This is an extension to the previous complaint I have submitted. below will be a proper list of inquiry names and dates that I demand to be removed/deleted from my credit report. In pursuant to 15 USC 1681 section 602 A, I have the rights to privacy along with 15 USC 1681 A section XXXX, a consumer reporting agency can not furnish an account without my written or oral consent/instruction which I did not give. 

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

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 2022-08-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX XXXX days late I have submitted letter from Mortgage Company never late, still will not report accurate. 

I have called, submitted online and certified mailed letter from XXXX mortgage showing proof that my account has never been late and should be reporting accordingly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people

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 2022-08-13 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX XXXX  days late I have submitted letter from Mortgage Company never late, still will not report accurate. 

I have called, submitted online and certified mailed letter from XXXX mortgage showing proof that my account has never been late and should be reporting accordingly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: TN

Complaint narrative:
In accordance with the Fair Credit Reporting act fair credit reporting act 12USC 1681, Account # XXXX 30 days late I have submitted letter from Mortgage Company never late, still will not report accurate. 

I have called, submitted online and certified mailed letter from XXXX mortgage showing proof that my account has never been late and should be reporting accordingly. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish an account without my written instructions. Also according to 15 USC 6802. No financial institution is not supposed to share my information to third party people

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 2022-08-13 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
Per my agreement I agreed to my account being charged weekly on my payday which is ( Fridays ). Since the 1st payment they have not charged my accounts on the correct day. I had payments taken out the immediate ( Monday ) before my payment was due from my checking account originally. They caused me 2 NSF fees attempting to draft from my account on ( Monday ) instead of taking the allowed payment ( Friday ), as per the agreement. I moved the payment to a secondary account for my debt card to be charged, and had a billing rep move my due date to ( Saturday ). cima has tried to withdraw 2 payments from my account Monday XX/XX/22 & Tuesday XX/XX/22 which were not on the scheduled date. I spoke with a Supervisor at cima and had them remove automatic payments and any other accounts or debit cards from the account before they made anymore payment attempts not on the agreed day. After removing automatic payments a week ago the tried again to charge my account on XX/XX/22 a day that was not my agreed upon due date. cima is now trying to charge me a NSF fee and late charge for them once again not withdrawing from my account on the agreed upon day which should be Saturday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-13 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: FL

Complaint narrative:
I was checking my credit report and noticed that a couple of companies that I didnt know are did business on my credit report I tried writing them but they didnt operating right

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