vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-02 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 — Card was charged for something you did not purchase with the card
Company: Avant Holding Company, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX there was XXXX  charges for {$90.00} on my credit card that I did not authorize at places I do not recognize. On XX/XX/XXXX, there were XXXX charges for {$98.00}, and XXXX charge for {$99.00} that I did not authorize at places that I do not recognize. Ive called the company many times only to be put on hold for 30-45 minutes. Ive spoke to one person who transferred me to someone else. They emailed me saying it appears the issue has been resolved, but the charges are still on my card, and now the card is over the spending limit and theyre telling me I need to pay down my card. I got this card a few years ago and Ive used it very few times only to help my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: OK

Complaint narrative:
I inquired about buying a car and the dealership said they would only run my credit for XXXX but they ran it thru multiple companies these are the Inquiries XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXXXXXX XXXX XXXX  XXXXXXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX  XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX  XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX A, XXXXXXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX, OKLAHOMA XXXX XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 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: OK

Complaint narrative:
I inquired about buying a car and the dealership said they would only run my credit for XXXX but they ran it thru multiple companies these are the Inquiries XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX OF XXXXXXXX XXXX XXXX  XXXX XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXXXXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX A, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX, XXXX, XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX  XXXX, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: TX

Complaint narrative:
Transunion and XXXX apparently did an Hard inquiry on my credit report without my permission. 

Common violations of the FCRA include : Pulling your report for an impermissible purpose. For instance, viewing a credit report to determine if you have assets before filing certain kinds of lawsuits. 

Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, such as determining if you are collectible in a lawsuit, an employer pulling the report without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial activity. 

Screenshot attached.

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 2022-07-02 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: NRA Group, LLC
State: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act National Recovery Agency # 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

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 2022-07-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
In XXXX, 2022, I received Citibank convenience checks from Citibank that I could write against my Citibank credit card ending in XXXX for an amount up to the credit limit of {$18000.00}, good until XX/XX/2022. I wrote the Citibank check for {$17000.00} on XX/XX/2022 and deposited it electronically. The check cleared a few days later and I started using the money. About {$5000.00} of it went for a down payment on a home I will be renting in XXXX and the rest was deposited into my savings account. On XX/XX/2022, I got an email that my Citibank check bounced for insufficient funds. My checking account was negative {$16000.00} so I looked at my Citibank credit card ending in XXXX and noticed that the {$17000.00} was not debited. As a result of this, I applied for a flex loan against the same card, XXXX, for {$18000.00} to be deposited into the same Citibank checking account and was immediately approved. At this point my account was frozen and I no longer had access to the account. I made many phone calls to Citibank, and no one could help me. I visited my local branch and learned from my personal banker that the money in my savings account was moved by Citibank to cover the negative balance in my checking account. The balance, however, was still short {$4900.00}. On XX/XX/2022, my paycheck of {$5800.00} was direct deposited, and I learned again, from visiting my local Citibank branch office that the negative checking account balance was no longer negative as a result of the direct deposit. It was now approximately + {$900.00}. I also learned that my flex loan of {$18000.00} was deposited into my Citibank savings. In the meantime, I was told that I must come into the branch office to pay the loan on the {$18000.00} for as long as the account is frozen. I would like to return the {$18000.00} flex loan to the XXXX credit card and get the remaining money back from my checking 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 2022-07-02 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: TX

Complaint narrative:
Debt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. 

I filed a dispute on XX/XX/XXXX with CFPB due to I mailed in a dispute on XX/XX/XXXX disputing multiple accounts and thus far one of the accounts XXXX was updated as Charged off The account info was paid in full, but still shows and was updated as Charge off status on my Credit Report. Account details below : Account Number : Ending in XXXX Original Creditor : XXXX Amount : {$140.00} Payment Date : XX/XX/XXXX XXXX Account ID : XXXX Confirmation Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: TX

Complaint narrative:
Debt Dispute Procedures for Credit Bureaus When submitting a written dispute about the accuracy of your credit report, the credit bureaus must follow proper procedures, such as conducting an investigation, correcting inaccuracies or removing a disputed debt. 

I filed a dispute on XX/XX/XXXX with CFPB due to I mailed in a dispute on XX/XX/XXXX disputing multiple accounts and thus far one of the accounts XXXX XXXX XXXX as Charged off The account info was paid in full, but still shows and was updated as Charge off status on my Credit Report. Account details below : Account Number : Ending in XXXX Original Creditor : XXXX Amount : {$140.00} Payment Date : XX/XX/XXXX XXXXXXXX Account ID : XXXX Confirmation Number : 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 2022-07-02 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: Westview Financial Services VA, LLC
State: VA

Complaint narrative:
I received a check in the mail for a loan that said We are here to help through the pandemic.. I am a single mom of a XXXX yr old so XXXX is getting expensive and it was right after the new year when all the bills were coming in. All was fine until it came time to make my first payment on XX/XX/2022. I called and they asked for my bank account number. I asked if they could take a debit card payment and they stated they did not offer that type of payment option because of the cost. I told them I was not giving them my account number and would they take a cashiers check because I do not have regular checks. They agreed and I told them I would bring it in the next day. I did some research online because the most used form of payment these days is credit or debit so it just sounded odd to me and I couldnt find much except no rating with the XXXX. Well I work at a doctors office and I let time go by because of staffing issues and honestly I felt it was a scam. Even though I got the money I felt they wanted access to my bank account. Fast forward to XXXX and XXXX I speak to XXXX XXXX a few more times and apologize for it slipping my mind and Ill be in to make the payment, as I do with my other XXXX loans from XXXX. XX/XX/XXXX there is a freeze on my account, no warning, no citation, nothing! I cant pay my rent, my car payment, food for my son. My checks are direct deposited into that account and I cant touch it even if I paid the entire balance. I have no money to get gas to get to work! No wage garnishment? I called my bank and they say their hands are tied. I call the company and he basically laughs in my face. I cant even buy a dollar cheeseburger! Can lenders just do that? Im not disputing the money I owe but I got no warning no time to work out making payments and have lost everything. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 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: TX

Complaint narrative:
Experian obtained reported information illegally from a creditor which is XXXX which reported adverse information to experian about my consumer credit standing, & reported account delinquent because I failed to pay the alleged debt which is a direct violation of 12 CFR 1026.13 ( d ). Also the statute of limitations on debt in Texas is four years according to Section 16.004 of the Texas Civil Practice and Remedies Code.

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 2022-07-02 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: Self Financial Inc.
State: TX

Complaint narrative:
XXXX and SelfXXXX apparently did an Hard inquiry on my credit report without my permission.

Common violations of the FCRA include : Pulling your report for an impermissible purpose. For instance, viewing a credit report to determine if you have assets before filing certain kinds of lawsuits.

Your credit report can be disclosed only to entities with a valid need, such as creditors, landlords, insurance providers, utility companies and employers ( with your consent ). Its also a violation to pull a credit report for an impermissible purpose, such as determining if you are collectible in a lawsuit, an employer pulling the report without permission or a creditor on a discharged debt in bankruptcy using the report to check on your current financial activity.

Screenshot attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: CBC Companies, Inc.
State: MD

Complaint narrative:
I've tried to opt out of pre-screened credit offers from XXXX but the website seems to be built to have you opt-in without realizing it. The form they use is ambiguous until after you hit submit, and then when you try to find the opt-out option they keep routing you to a page that says you have to use a specific form to opt out by mail. There is no opt-out form on the website, and they tell you that you can't opt-out by mail. The site spins you in circles until you become frustrated and give up. You get sent to XXXX from the Innovis website. I believe they make it impossible for you to opt out of these credit card offers to make money from the card companies by funneling consumers to them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
The XXXX credit card and the Chevron credit card is operated by ; https : //www.mysynchrony.com/ synchrony bank who has refused internet access to paying the bill on line regardless of the fact that I have been paying the bill on line since 2014. Furthermore, they are demanding that customers download some software program on their cell phone or tablet that will grant the user access to their account which is XXXX on its face. Since the software developers are using such software on cell phones to track the end users data, travel, and communications of the wireless device. 

I have had problems paying my credit card bill for the past six months due to restricted access where synchrony is demanding using the software program on the cell phone which I will not do.

Therefore their software goes NO WHERE ON MY ELECTRONICS and the shall allow me to pay the bill on line. Enough of this restricted XXXX, as this method of restricting access of account holders to check their balances is doing nothing but restricting on time payments. These restrictions are an attempt to invade account holders privacy which was never authorized.

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 2022-07-02 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: Self Financial Inc.
State: CA

Complaint narrative:
Self-lender INC still refuses to remove the late payment despite sending official correspondence that they would request the deletion of the late payment due to my excruciating circumstances. I have contacted them numerous times and have not been met with a reply. Please see the official correspondence showing their response to the matter from a previously resolved CFPB complaint regarding the deletion of the late payment of all three of my credit reports.

I have also attempted to dispute this by sending it to the credit bureaus, to which they have come back saying Self Lender does not want to remove the late payment. This late payment has caused me extreme stress as I am still locked out from obtaining the ideal mortgage rate for my family and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: FIRST NATIONAL BANK OF OMAHA
State: TN

Complaint narrative:
Hello, I'm sorry I can't remember the dates but I had a credit card from the Bank of Omaha. I had other credit cards from other companies also, my credit was great at 800+. I had received checks from BoO saying I could use them and the interest would not start for 6 months and then it would be a very low-interest rate. My HVAC went out and I had to have a unit. I used one of the checks and then the bill came in. They had added it to my account at the regular interest rate. This made my minimum payment skyrocket. For this card alone, my minimum payment was {$250.00}. I only had Social Security and before this, I managed to pay over the minimum for all my cards. I called and spoke with the company and they denied that the checks they had sent said this. At this time, I had more checks and proof that it did indeed say that. I no longer have these. 

I couldn't make my payments and I didn't know what to do. I contacted all my credit cards and all of them except BoO and XXXX agreed that I could make a lower payment and get caught up. But considering that BoO and XXXX wouldn't let me do this, I still couldn't make my payments. A company called me and said they could help me and get all my cards paid off in four years. Well, that didn't work out as they were going to keep the money I sent in every month and then " make a deal '' with all the credit card companies. 

A few years later BoO sued me, and the court date was put off due to COVID, It was re-set, and then it was canceled again. I had no idea when my court date was then. Then I got a letter from BoO and they had put a lien on my house because I hadn't shown up in court. How could I when I had no idea when it was? I had previously called the Attorneys that were listed on the paper and never got an answer no matter when I called. 

This whole problem, ruining my credit and all the rest was their fault for sending me checks and offering me promotional rates that I never received. Then taking me to court and did not let me know the date to show up. 

Now, my credit is ruined, and only recently did I get another Credit card. XXXX XXXX took a chance on me and I'm back to paying my cards as agreed even though the APR is astronomical. I pay more than the minimum every month. I could have paid off the cards that I had then if only BoO and XXXX would have given me the chance. 

Sincerely, 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 2022-07-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Unexpected or other fees — 
Company: Foris DAX, Inc.
State: CA

Complaint narrative:
On XX/XX/2022, I attempted to withdraw my money from Crypto.com and was not permitted. The same day I sent an email to their customer support asking for my money to be withdrawn. Crypto.com replied on XX/XX/2022 that I was under the minimum requirement of {$100.00} to withdraw my money and would not be able to withdraw it until it was above the {$100.00} minimum. Their suggestion was to deposit more money until I had {$100.00} in my account and then I could make a withdraw. 

I replied via email on XX/XX/2022 that I was looking for a solution that did not require putting more money into Crypto.com. They replied that it was the only solution available to me. 

The same day ( XX/XX/2022 ) I asked for the issue to be escalated. Their response on XX/XX/2022 was to advise me to either purchase crypto and then make a withdraw or deposit more money so I can be above the {$100.00} minimum for withdraw. 

Their minimum for depositing money is far less than their {$100.00} withdraw minimum, and I am simply interested in receiving my own money without having to jump through hoops.

Company response to consumer: Closed with explanation