vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I have sent letters dating back to XX/XX/XXXX. The agency has not responded to the matter. I have shown the agency has not followed its own standard and it's clear by me being able to point out missing, inconsistent, or even inaccurate information on each and every letter attached. The only thing the agency has done is refuse to look into the matter as well as try to stop the process by asking me for ID, which I attached with each and every letter since XX/XX/XXXX. Please notice that Experian doesn't even have my correct birth year. My birth year is XXXX but Experian has XXXX. This is clearly a high risk and has serious consequences.

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 2023-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: TX

Complaint narrative:
Discover Credit Operations Team Subject : Violation of 15 U.S. Code 1681m - Requirements on Users of Consumer Reports Reference Number : XXXX Dear Sir/Madam, I am writing to bring to your attention a serious matter regarding the denial of an extension of credit on my open-ended credit plan with Discover. I have recently discovered that this denial may be in violation of 15 U.S. Code 1681m, which outlines the requirements placed on users of consumer reports. 

According to my understanding of the law, as a user of consumer reports, Discover Financial Services is obligated to follow certain regulations when making decisions related to extending credit. Denying me an extension on my own credit, which is not related to insurance or employment, raises concerns regarding potential non-compliance with the aforementioned statute.

Section 1681m specifically states that users of consumer reports must have a permissible purpose for obtaining the report. Denying an extension of credit on an open-ended credit plan, where the consumer is already an existing customer, does not appear to meet the criteria of a permissible purpose as described in the statute. 

I kindly request that you review my case thoroughly and provide an explanation for the denial of my credit extension. If there has been a misunderstanding or error, I would appreciate it if you could rectify the situation promptly. Additionally, I would like to know what steps you will take to ensure compliance with 15 U.S. Code 1681m in the future, so that no other customers face similar issues. 

I believe that open and fair communication is essential in resolving any concerns, and I hope that we can reach a satisfactory resolution to this matter. I look forward to your prompt response within [ mention a reasonable time frame, e.g., 10 days ] from the date of this letter. 

Thank you for your attention to this matter. 

Caveat Any harm caused to a vessel is equivalent to harm inflicted upon a living person, If Discover continue to violate these rules, it will be considered as your agreement to my terms and conditions. You have a period of 10 days to respond to this agreement. Failure to respond will be considered as your acceptance of the Terms of XXXX XXXX Sovereign and the Fee Schedule of XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 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: EQUIFAX, INC.
State: NC

Complaint narrative:
This issue has been going on for months and I have followed all of the things you wanted me to do. just read the letter to make sure I'm not just typing my concern here and you will just ignored my concern again

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 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: Greenlight Financial Technology, Inc
State: MO

Complaint narrative:
I set up a debit credit and cash card with Greenlight base in XXXX, XXXX. 

ph XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX  XXXX As soon as I loaded my info to set up an account for my Son, they changed my agreed plan, from $ XXXX month to {$9.00} / month. And had pulled a different email from my Iphone. 

They changed the info I had entered. Then, when I tried to log in with all the correct info the website was unavailable. 
Then I called to have my account close and deleted and they refused to delete my personal information. I was only the phone for nearly an hour to have my account deactivated and deleted. They refused to delete info and said they had a FDIC rule that they were allowed to keep my birthday and social for XXXX years.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-04 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: HW Holding, Inc
State: CO

Complaint narrative:
XXXX XXXX - Debt regarding an apartment moveout fee, threatened credit damage. The agent taking the call was named XXXX XXXX XXXX would not provide a last name or employee ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 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: GA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I am knowledgeable that 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. This is effecting me by causing me to have higher interest rates that I'd normally qualify for. Resulting in undue XXXX & XXXX. Payments are now becoming unaffordable & quality of life is deteriorating.

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 2023-07-04 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: GA

Complaint narrative:
XXXX  XXXX XXXX # XXXX XXXX DATE $ XXXX I am knowledgeable that 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 XXXX years. This is effecting me by causing me to have higher interest rates that I'd normally qualify for. Resulting in undue XXXX & stress. Payments are now becoming unaffordable & quality of life is deteriorating.

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 2023-07-04 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: OR

Complaint narrative:
I initiated a balance transfer from my wife 's Discover card to a new XXXX card. On XX/XX/XXXX XXXX posted the balance on my new card and discover posted the balance transfer fee on the my wife 's old discover account. 

The balance of my wife 's Discover card was not transferred to the new XXXX card, effectively doubling the amount of debt. We called Discover to sort out the issue and they insisted they had no record of the balance transfer between cards and there was nothing they could do to help us. This is galling given that there is a balance transfer fee line item on my Discover card statement, effectively showing me that XXXX billed Discover for the balance transfer fee of 3 %, but the representative could not read that item to understand the context of the issue. 

In both cases the service representative was unable to comprehend the issue and had no ideas related to solutions or even next steps to find a solution. 

The lack of real customer support systems and proper technology infrastructure to ensure compliance with federal consumer financial regulations seems to be a systemic problem for Discover.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-04 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  : accounts,XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX # 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 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 2023-07-04 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: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  : accounts,XXXX  XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX # 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 an account without my written instructions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong person.

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 2023-07-04 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: HYUNDAI CAPITAL AMERICA
State: FL

Complaint narrative:
Hyundai Financial is trying to collect a debt that I was not informed, and was not aware of. Returned my car lease at the end of the term, and was told everything was good to go, my miles was ok, and inspection of car passed. I moved from XXXX  to XXXX  during Co-Vid, and did not receive a proper explanation in a phone call, or letter before I left to XXXX  explaining what is the charges, as for me knowing that car was returned ok.

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 2023-07-04 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Recently, I applied for a loan through my financial institution and was informed of a credit delinquency that would lead to rejection. Initially, I didn't pay much attention to it, but upon conducting my own investigation, I accessed my credit report from all three bureaus. To my dismay, I discovered numerous discrepancies that were not associated with me and were never authorized by me. I decided to contact the entities responsible for these discrepancies, only to find that the accounts had already been closed. However, they were still negatively impacting my credit report.Realizing the severity of the situation, I promptly researched the proper steps to address this case of identity theft. I learned that I should report the incident to the Federal Trade Commission ( FTC ) and file a police report in my local county. Taking this advice to heart, I proceeded to report the incident to the FTC and initiate the necessary steps to file a detailed police report, documenting the incident that had occurred within my jurisdiction. 

The fraudulent accounts follow : Citicards XXXX. XXXX XXXX XXXX I am willing to prosecute.

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 2023-07-04 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: SC

Complaint narrative:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

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 2023-07-04 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 — Problem with personal statement of dispute
Company: ALLY FINANCIAL INC.
State: GA

Complaint narrative:
I submitted a previous CFPB complaint regarding a negative credit bureau reporting ( Complaint # XXXX ). The company recently responded denying any wrongdoing in the matter that was presented. While I have received that information, I do not agree with it and have made 3 previous attempts for further investigation into this matter. In addition to the fact that my account was only 29 DPD, and I received a negative 30 day reporting, I spoke to an Ally supervisor on Monday, XX/XX/XXXX which was 3 days before the payment was made to ensure I was receiving correct information. My first call was on Saturday XX/XX/XXXX where a representative was unable to give me clear and accurate information on if I would definitely avoid a XXXX by paying on XX/XX/23. I followed up on the XXXX with another and spoke to a supervisor who assured me that as long as the payment was made before XXXX EST on the XXXX, I would avoid a XXXX. I proceeded to cancel my payment that was scheduled on XXXX, and completed it on the XXXX. I have requested on 3 separate occasions that Ally review the recorded conversation with the supervisor to see that I was clearly given incorrect information. Each time I am told to wait 3-5 days and someone will follow-up but that has yet to happen. On the second attempt of requesting the call to be reviewed, I was told there is no record of a conversation. I have attached a copy of my phone records showing a 25 min call to Ally 's number. At this time I am demanding that Ally locate and review the recorded call from XX/XX/23 where a supervisor advised me of misinformation regarding when I could pay. As a result of that call, I am therefore demanding that the 30 day XXXX be removed from my credit file.

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 2023-07-04 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Confusing or misleading advertising or marketing — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I was tricked into paying a monthly change to Transunion starting in XX/XX/2000. I received no goods or services for this money. My exact situation is described in this CFPB article : https : //www.consumerfinance.govXXXX I assume this is from trying to get my free credit report, as this started at the same time I arranged for actual credit monitoring from XXXX. XXXX has a free version that sends me emails regarding my credit score. The paid version of Transunion I allegedly had sent me no emails, I presume to avoid telling me I was paying them. 
All their toll free numbers divert to a text exchange, where an entity claiming to be human tells me how important I am to them and eventually drops the exchange. When I called and yelled Agent! Human! instead of responding to the menu, I got someone on the phone. I explained the problem, he said he would transfer me to someone, and to call a number if the call was dropped. 
Will that send me to the same answering system? 
Yes. 
Would that take an hour to get someone like you who cant help? No straight answer. 
A few days later I got someone on the phone again, and told them I needed to access my account to use the services, without mentioning I was getting ripped off or wanted the charges to stop. This time he got me into my account online, so I dropped the service. 
I want my money back! Thats 40 months, a XXXX dollars. I dont believe dealing with their system will get me results. 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 monetary relief
Consumer complaint received 2023-07-04 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: EQUIFAX, INC.
State: SC

Complaint narrative:
Please remove the incorrect addresses from my credit file. 
They have never been used by me for mailing or credit application purposes. I have requested for them to be removed many times. This is a violation of the Fair Credit Reporting Act. I have attached a notarized certificate of residence affidavit as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-04 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I have sent letters dating back to XX/XX/2022. The agency has not responded to the matter. I have shown the agency has not followed its own standard and it's clear by me being able to point out missing, inconsistent, or even inaccurate information on each and every letter attached. The only thing the agency has done is refuse to look into the matter as well as try to stop the process by asking me for ID, which I attached with each and every letter since XX/XX/2022.

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 2023-07-04 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: NY

Complaint narrative:
To whom it may concern, I wish to report an incident that occurred between me and Ally Bank on XX/XX/2022. I was sent a payment of {$370.00} through the XXXX XXXX, to my bank account at Ally Bank. This was an amount owed to me by someone that I know, who reimbursed me for a service provided, which I have a receipt for as proof. A few weeks after the payment was made, the person who made the payment contacted their financial institution, which is XXXX XXXX XXXX, with a claim that they sent the funds to the wrong person, and challenged the payment demanded back the funds. Per the terms and conditions of XXXX, XXXX transfers are irreversible, and not refunded if both people are verified members of the XXXX network. 

I checked my account one day, and noticed that the balance was not correct, and called Ally Bank to find out why there was a discrepancy. They informed me that they sent the money back to XXXX Bank as an ACH Debit without informing me, and regardless of the fact that they had no legal right to return the funds. They also advised that it would not be possible to dispute the transaction. I spoke to Ally Bank numerous times and told them I have the proof that the payment was valid, and that she sent she funds to the correct person. Allys response was to either hang up, or refuse to deal with the matter, regardless that they knew that they had no right according to XXXX terms and conditions to return the funds ( which is why they did it as an ACH Debit ). 

Ally Banks attitude and illegal policy based on made up rules shows they have no concern about the law, policy and have no regard for their own customers. Their attitude toward their own clients is reprehensible, and they are in violation of the Federal Bank Act. The FTC will also be informed of their violations and be asked to review any other complaints to see how many times Ally has done this in the past, and ask that the FTC start criminal action against this bank. I want that this complaint to go public, so that in the future they will never do this to any of their customers again.

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