vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
After being a credit card customer with Citibank, I was offered a generous offer to open a checking account which would credit an airline account with a set amount of miles. I proceeded to take advantage of this offer and opened the account just over a month ago. The offer had two steps, two or more deposits totaling at least XXXX XXXX dollars and then one ore more debit card transactions totaling at least XXXX XXXX dollars. The issue is, after getting my money through XXXX deposits, which was a requirement, Citi now blocks me from using my funds. I've tried XXXX times to use my debit card, but there is always either an authorization issue, or the transaction is declined. What Citi did here, was scam me out of my money by depositing it into their financial system, and then block me from accessing it. Effectively 'stealing ' my own money. So now, I have XXXX problems. XXXX. I can not complete the offer, and I only have 90 days to do so ; XXXX. I can not use the funds to pay my bills ; XXXX. I can not take my funds out of the account. 
Since the account opened it has continually been under review. When I call the bank they can not give me a reason for the review, they refuse to provide details, they refuse to provide a time frame, they refuse to provide the names and phone number of the so called 'reviewers, they refuse to close my account and release my funds, and they even said during a recorded call, and there has been many calls, that they are allowed to hold my money indefinitely pending the so called 'review ' which they can not describe. 
I will be unable to pay my bills including rent and car payment and will sue for damages. I also need the CFPB to go after them on my behalf and publish this complaint so others can see that doing business with Citibank, at least on the checking account side, is a trap to take your money, then block you from accessing it.

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 2023-08-18 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: DC

Complaint narrative:
XXXX XXXX XXXX in the amount of $ XXXX should no longer appear on my EXPERIAN CREDIT REPORT. Last payment date ( date of first missed payment ) reported is XX/XX/2016 which exceeds the ( 7 ) year statue of limitation. Additionally I disputed this account through Experian and contacted the creditor directly requesting removal to no avail.

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 2023-08-18 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Exeter Finance, LLC.
State: LA

Complaint narrative:
My interest rate on this loan is over 31 percent According to title 9, title12 of loan, chapter 1 of section 9:35 00 under the rate of interest can not exceed 12 percent per annum. Pursuant section 9:35 01, any contract agreed between the parties for the payment of usurious interest will result in forfeiture of the entire interested so contacted. Louisiana usury law

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as 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 explanation
Consumer complaint received 2023-08-18 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: MS

Complaint narrative:
XXXX, XXXX and TransUnion the credit companies are all reporting inaccurate in my credit report. 15 US Code 1681i ( 5 ) states that removal of Inaccurate/ invalidated credit information. I have sent letters to all three credit companies and have not gotten a response in 30 days. They are reporting late payments on my credit report without my consent. 15 US Code 1681a states that this is a law, and it should be removed.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I am writing to inform you of a serious matter involving XXXX XXXX XXXX XXXX XXXX that has reported inaccurate and fraudulent information on my credit report. XXXX XXXX XXXX, XXXX, has forged my signature on a fictitious medical document and submitted a billing statement containing incorrect information. I believe their actions not only constitute a violation of forgery laws, but also a breach of my rights under the Fair Credit Reporting Act. 

Details of the fraudulent activity include a fictitious document titled " Patient Registration & Financial Acknowledgement Form '', created by the company themselves. As a result of this situation, I am disputing the legitimacy of any debt related to this collection agency and request that you promptly investigate and remove this erroneous information from my credit report. 
Attached are copies of the Forged Document, created by themselves, as well as the billing statement containing incorrect information. 
I kindly request that you take swift action to address this matter in accordance with the FCRA, and consider this a serious matter with disputing this information 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 explanation
Consumer complaint received 2023-08-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN

Complaint narrative:
My spouse had filed for bankruptcy around XXXX of 2022. I had no idea that this was something she was doing until my mortgage statements just stopped coming without notice, and the last one received was for XX/XX/2022. I don't remember any specific dates that I made contact with them, but have on 3 seperate occasions asked for my statements to be sent and everytime they told me its the law that they can not send them to me, even though I did not file bankruptcy. I had asked them to send me statements for information, because it's law even if I had filed and they said that is not how the law works according to the cfpb. They claimed that the statements had been forwarded to my wifes lawyer, but when asked they have never received a single statement either. My wife 's lawyer has even sent a letter to the company requesting the statements be reinstated and still nothing. The mortgage company also never sent any of my tax documents, I have been dealing with this for a year now and still nothing, I am done playing can I put you on hold and getting passed off to the next unhelpful rep.

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 2023-08-18 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
Hi, XXXX XXXX XXXX XXXX XXXX XXXX ) mortgage company put my account on certified funds when it should not have been. When an account is on certified funds automatic billing is supposed to be removed and stopped. XXXX continued to automatically draft payment in XXXX off 2022, when their policy stated they would no longer automatically draft payments for accounts in certified funds. 
This led to me being put back on certified funds in which i made payments on time via USPS Priority Express Mail which is next day arrival. 
The late payment for XXXX proof was given that I mailed the check in on time and the post office did not deliver the mail that i paid to have delivered the next day causing this XXXX up. 
Experian XXXX and XXXX were notified of all of these errors out of my control but still have not adjusted my credit file. These late payments should be removed from that 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 2023-08-18 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: FL

Complaint narrative:
This account was dispute due to inaccurate information provided by a representative and a failure to apply a forbearance in XX/XX/2023. It was forward to their consumer advocate depart and determined it was an error on XXXX. The error was corrected on my credit report and I was sent a letter advising the investigation and reporting correction. It was updated as of XX/XX/2023 and reported 90 days past due again on XX/XX/2023.

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 2023-08-18 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: FL

Complaint narrative:
This account was dispute due to inaccurate information provided by a representative and a failure to apply a forbearance in XX/XX/2023. It was forward to their consumer advocate depart and determined it was an error on XXXX. The error was corrected on my credit report and I was sent a letter advising the investigation and reporting correction. It was updated as of XX/XX/2023 and reported 90 days past due again on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-18 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
This account was dispute due to inaccurate information provided by a representative and a failure to apply a forbearance in XX/XX/2023. It was forward to their consumer advocate depart and determined it was an error on XXXX. The error was corrected on my credit report and I was sent a letter advising the investigation and reporting correction. It was updated as of XX/XX/2023 and reported 90 days past due again on XX/XX/2023.

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 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
My twin Sister Credit pops you up anytime I run my credit for a car or a loan this can probably be confusing but its a problem that need to be addressed and fixed I havent been able to to get a car for something thats completely not my fault I need done asap

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 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: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

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 2023-08-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Upon viewing my most recent credit report, I found 2 names, 2 addresses and 2 phone numbers associated with my account which are not correct. According to CFR 1022.3 - Identity theft means a fraud committed or attempted using the identifying information of another person without authority. Therefore, anything added to my report without my written consent is to be considered identity theft. I ask that you remove the information listed on my credit report, immediately. 


Addresses : XXXX XXXX XXXX XXXX NJ XXXX : address ID # XXXX XXXX XXXX XXXX XXXX XXXX AL, XXXX Names : XXXX XXXX XXXX XXXX ID # XXXX XXXX XXXX XXXX XXXX ID # XXXX Phone Numbers : 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 2023-08-18 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: Experian Information Solutions Inc.
State: PA

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. 

The following accounts have violated my rights : 1. XXXX XXXX Account Number : XXXX 2. XXXX Account Number : XXXX 3. XXXX XXXX XXXX Account 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.

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 explanation
Consumer complaint received 2023-08-18 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: GA

Complaint narrative:
I got unauthorized inquiries on my report that has no purpose to be on my credit report 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting ogency 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 yeors.

15 U.S.C. 1681s-2 ( AJ ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable couse to believe that the information is ineccurate.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case XXXX XXXX  XXXX Inquiry dateXXXX XXXXXXXX, XXXX Removal dateXXXX XXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX XXXX XXXX Removal dateXXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXXXXXX, XXXX Removal dateXXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX Inquiry dateXXXX XXXXXXXX, XXXX Removal dateXXXX XXXXXXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX XXXXXXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX  XXXXXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXXXXXX XXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXXXXXX XXXX XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX, XXXX Removal dateXXXX XXXX XXXX XXXX XXXX XXXX  Inquiry dateXXXX XXXX XXXX Removal dateXXXX XXXX XXXX  XXXXXXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX Inquiry dateXXXX XXXX, XXXX Removal dateXXXX  XXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX XXXXXXXX XXXX XXXX XXXX Inquiry dateXXXX  XXXX, XXXX Removal dateXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
Synchronicity Bank promoting identity theft I've been with Synchronicity Bank for almost 8 years. They suspended all of my 8 cards because I needed to verify my Social Security number because they said that somebody called and tried to act like they were me. In which their customer service agent got angry and close all of my accounts without my consent. I did not know they were all closed until I tried using one of my current credit cards. I had to call Synchronicity Bank to let them know that I do not close up all my accounts which were tiresome and frustrating. I mailed in my personal information on XX/XX/XXXX they told me they could not read my handwriting. I'm XXXX and because of that I knew my writing was difficult to read, so I sent a copy of my Social Security card with it to verify my information. Synchronicity Bank said that was not good enough for them so I had to e-mail my personal data. So the following letter that I received was on XX/XX/XXXX. I mailed it and took it to the post office on XX/XX/XXXX. I was inconvenienced because I had drove to the post office and handed it to the person behind the counter. I called on XX/XX/XXXX. They still didnt receive personal information. I then called on XX/XX/XXXX they still have not received my personal information. I called on XX/XX/XXXX they still received my personal information with my Social Security number and my address and my birthday on it my information. I called today, and they still have not received my information, so right now my personal information is lost!!!!!!!!!! We live in a time when identity theft is common, especially since they said that I called and close up all of my accounts. Synchronicity Bank is promoting identity fraud because they do not have a secure website where you can upload your personal information to them ..so right now, my personal information with my Social Security number, my address, my birthday, and my name is out there!!!!!!!!!! Synchronicity Bank the way they handle people 's personal information is unacceptable. 6 of my accounts that I have open for 10 years I can not use, and this is unacceptable and embarrassing, and frustrating my limit was started at {$3000.00} and because of my perfect payment history Synchronicity Bank raised my credit limit to XXXX now I have can not use because they don't have my personal information and I can't they can not verify who I am!!!!!!!!!! Synchronicity Bank 's practices are ridiculous and dangerous there's nowhere in the United States that you mail a letter in Georgia Synchronicity Bank has a Florida address so right now, my mail is lost. This is very concerning. Synchronicity Bank needs to have better, safer practices when sending information people 's personal information.

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 2023-08-18 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: MoneyLion Inc.
State: GA

Complaint narrative:
Attempted to close MoneyLion investment account in XXXX. Company is not responsive and continues to provide bogus reasons to refund investments. Continues to collect monthly membership fees along with deceptive business practices.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
My personal information was used for identity theft. I am filing to request that you block the following Incorrect information from my credit report. My personal information was compromised to obtain loans and credit cards from. I have no idea how the theft took place. I also have no knowledge of any suspects.

Company response to consumer: Closed with non-monetary relief