vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-17 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: TX

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15U.S.C. 1681.

Equifax is govern by 15 U.S.C. 1681. And they violated my rights numerous of time. I demand the accounts listed below be removed because According to 15 U.S.C. 1681 : i have the right to privacy and i did not give Equifax written permission to furnish these accounts : XXXX. XXXX Acct # XXXX XXXXXXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX. XXXX XXXXXXXX Acct # XXXX XXXX. XXXX XXXX XXXX Acct # XXXX XXXX. XXXX Acct # XXXX XXXX XXXX XXXX Acct # XXXX XXXX. XXXX XXXX Acct # XXXX XXXX. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: FL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 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:
In accordance with the fair credit reporting act XXXX Account # XXXX has violated my rights. 

15 USC 1681 Section 602 states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions. 

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
I opened account on XXXX with {$25.00} those founds were available when I received my debit card on the XXXX which I used on the XXXX to make a purchase. Also on XXXX I deposited my pay check via mobile app. These funds have cleared my employer bank account XXXX XXXX on the morning of XXXX. After I questioned why the was holding my funds until Tuesday the XXXX via phone call on the XXXX they blocked my account. When I call to find out why they will not give me a reason other than review. I asked why they waited until I deposited my check to place under review they will not give answer. Asked to speak to supervisor they place you on hold for a few and say well there not available they will call back yet I get no call back. I said I need the supervisor now please they said we can hold the line for XXXX minutes after that I have to disconnect. After XXXX minutes she came on sorry no supervisor available call back tomorrow have a good day and hangs up. You already have to wait on hold for someone to answer for XXXX plus hours I believe they are stealing peoples money

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 2022-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with cash advances
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
We took a {$60.00} cash advance in XXXX, XXXX. We have now noticed that at about {$8.00} a month in interest since XXXX we have paid over {$500.00} in monthly interest charges on that advance. In addition we now have a principal balance of XXXX for that advance, comprised of past monthly interest that was not calculated in the minimum monthly payment. Capital One Customer Service claims this is normal and that not all of the cash advance interest was included in the minimum payment calculation they used. That {$60.00} cash advance has cost us over {$800.00}, and would have exceeded {$1000.00} if we continued to pay the minimum amount. I feel that the way they calculated the minimum payment to not include the full monthly interest amount was an intentional method to increase interest charges, and paying over {$1000.00} on a {$60.00} cash advance is unethical if not against state or federal regulations. Additionally we only attached the statement for XXXX, XXXX and our latest statement XXXX, XXXX since all statements would exceed the 50 page limit. That is the only cash advance we have ever taken, and the current principal is on the latest statement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17 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: MS

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-08-17 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: MS

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: GA

Complaint narrative:
Contacted Experian on XX/XX/17 as there is false information on my credit report. The rep advised I would need to contact the company who is reporting in accurate data in order to get information removed which is illegal as I have stated there is incorrect and inaccurate information on my credit report. 

I asked the report to remove the below address : XXXXXXXX XXXX XXXX XXXXXXXX, Ga XXXX Different Variations Which I do not go by. I only go by what is on my drivers license : XXXX XXXX XXXX XXXX XXXX XXXX Also, i do not have access to dispute online.

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 2022-08-17 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I have noticed many incorrect and unauthorized items appeared in my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: WELLS FARGO & COMPANY
State: NJ

Complaint narrative:
on XX/XX/2022 I received a correspondence from Wells Fargo Bank stating they did not have a signed application pertaining to the application they processed on XX/XX/2022. Under the Fair Credit Reporting Act they must remove the inquiry on my credit report. They asked that I contact the dealership but that is not the process.

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 2022-08-17 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-17 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: TX

Complaint narrative:
I am very concerned about the items that are being shown on my credit report. Not only are they inaccurate, they are also unjust, because they should not be reporting on my credit report! I ask that you delete these accounts, or I will be filing a legal complaint against you!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: FL

Complaint narrative:
CFPB and Transunion This is a brand new complaint as I just received a brand new letter on XX/XX/2022 from XXXX XXXX XXXX XXXX XXXX XXXX  ) - CFPB complaint # XXXX As per the letter attached to this CFPB complaint by XXXX XXXX XXXX XXXX XXXX XXXX ) please remove the below collection account from my credit reports immediately : Creditor : XXXX XXXX XXXX XXXX XXXX 
Account # : XXXX Attached to this complaint are : - My drivers license - My social security card - My current address - My letter to have this removed - The letter from the creditor, XXXX XXXX XXXX XXXX Please have this handled as soon as possible as this is affecting my credit and I am buying a home.

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 2022-08-17 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: FL

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

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 section 602 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Getting the loan — 
Company: Advanced Loan Systems, LLC.
State: CT

Complaint narrative:
Took very sensitive information about checking account and personal information under the guise of me getting a loan, now I dont see anything.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: TN

Complaint narrative:
I was sent a third party text link from a stock pick company XXXX This text sent to my phone only had a simple credit card form to fill out for payment. This wasn't completed on the merchants website at all. When I got access to this information, I immediately requested a refund seeing this isn't what I was told it was to be. This company told me they don't honor refunds. I immediately filed a dispute with Goldman Sachs ( Apple Card ). Apple Card accepted this companies generic website pages as proof of purchase. I have asked over and over again for proof of me accepting a no refund policy as again this transaction NEVER occurred on this website, again all done via a third party text message link for credit card input. They have NEVER provided this proof as you must select the box as agreeing to their terms which again never happened. Since filing a dispute, this company that took my {$4500.00} has blocked my access and deleted my account. I have supplied Apple Card with this information and they yet refund my money. I have contacted XXXX many times via email, text, and they won't respond to me. They have again blocked my account, this is FRAUD!! This XXXX company has FRAUDED me out of {$4500.00} and I want my refund. I have tried many times resolving this with Apple Card, today I simply asked for my account number so I may include it in this dispute, they refused to provide me with this information.

Goldman Sachs has failed to protect me the consumer allowing a company fraud me out of {$4500.00} when I have clearly supplied evidence XXXX has deleted my account and disabled my account since I submitted a dispute with that company.

The document included shows my account has been deleted and disabled.

Goldman Sachs just now provided me with my account number.

This needs to be refunded 100 %!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Santander Consumer USA Holdings Inc.
State: CT

Complaint narrative:
I have disputed this item on my credit report stating factual errors on my credit report that the credit bureaus has consistently failed to investigate regarding my Chrysler Capitol Acct # XXXX Section 623 ( 5 ) ( A ) says : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. 
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 Also states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 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: Grain Technology, Inc.
State: CA

Complaint narrative:
I received a statement on XX/XX/2022 telling me my payment was due on XX/XX/2022. My account was set to autopay, at the time. Instead of taking the payment out of my account on the due date, the company attempted to collect the minimum payment on my account on XX/XX/2022 without my knowledge. On XX/XX/2022 I received a notification that the payment failed. This company tried to take money out of my account weeks before the due date, I use multiple bank accounts and have funds available in those accounts based on due dates. Upon further investigation, I noticed that had done this the previous months as well. 

Fast forward to the end of XXXX, right before the payment is due, I attempt to make a payment through their mobile app with no luck. It seemed as though there was a glitch with the app, so I figured I would wait and try again later. A few days later I tried to make a payment again. The app did the same thing. It would not let me click on on any of the payment options. I assumed it could have been the company freezing my account due to the previously failed payment earlier in the month, even though that had not notified me of any such thing. I reread all of the terms and conditions and did not see anything of that sort. Then I ran across an email from them saying they " removed/revoke '' my XXXX XXXX account from my profile with no reason why and no follow up on how I can and should make payments going forward. 

I emailed their customer service on their app. I received a generic auto reply that said someone would reach out to me in a few business days. That did not happen. After waiting a few days, I reached out to their customer service again through email. Waited the stated number of business days, but still did not receive any response. I followed up by emailing them through my actual email account instead of the app, and still received the auto reply. I researched their phone number, but there's no possible way to make contact with an actual human, they only have automated messages. So, I went to the XXXX XXXX XXXX to leave a one star review. Sure enough I read reviews from other customers who received the same lack of customer service response. However, I did notice the Grain company responded to the negative reviews leaving their email address. After leaving my review, I emailed them two more times the same day ( see emails attached... the other emails sent through the app do not allow you to receive a copy, just the generic reply which is also attached ). I am simply trying to make a payment on this account. They should not be able to get away with lack of response. This should be illegal. They also should not report to the credit bureaus.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
On XX/XX/2022, I purchased two pairs of eyeglasses from XXXX XXXX XXXX XXXX in XXXX XXXX for {$370.00}. The salesclerk did not itemize each pair, which I thought was deceptive, but I didnt say anything at that time. 

Weeks went by and I hadnt heard from the salesclerk and that was because she was calling my home phone that was not working properly. I really never understood why she did not try by cell phone or send me an email. When XXXX XXXX sent me a bill in XXXX, I called them and informed them that the salesclerk never called me ; I never picked up those eyeglasses. So, they began a dispute investigation, so I thought. 

Several days later XXXX notified me about setting the reset button on the back of the phone and there were all of my messages for the past month. So, I called XXXX XXXX and told them the salesclerk had called me, but I no longer wanted the glasses. The representative told me to go to the XXXX XXXX and ask for a credit. 

I went to the store on XX/XX/2022, and told the same salesclerk that I needed a credit because I no longer want the eyeglasses. She told me XXXX XXXX return policy exclusions on custom made eye wear was for a XXXX period for a full refund. I asked her why she waited until now to tell me this. She said because no one ever says they dont want their glasses. She then gave me the pamphlet concerning the refund policies. I became upset and told her I did not want those glasses and left. 

On XX/XX/2022, I mailed a certified letter to XXXX XXXX ( it was delivered on XX/XX/2022, at XXXX ) telling them I did not pick up those glasses because of the salesclerks attitude and the fact that she neglected to tell me about the return policy at the time of purchase. So, XXXX XXXX sent me a bill requesting payment for those glasses. I refuse to pay for something I dont have, especially when the purchase was made under deceitful conditions. They have yet to responed to my complaint. 

I have 4 credit cards with this bank and every last one of these cards has given me problems with merchants making erroneous charges and the bank takes an excessive amount of time to complete their investigations.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-17 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: TX

Complaint narrative:
XXXX XXXX XXXX Account number XXXX This collection account is showing on both my XXXX and Equifax credit reports. I have disputed this account, and it was not removed. Because of this collection account, I am unable to qualify to purchase a home. The credit report states that the account was opened XX/XX/2020. I did not open this account. 

After researching, I found that this violates my rights under the Fair Credit Reporting Act. My understanding is that the information contained within my credit reports must be accurate. 

I am asking that this account be investigated on both my XXXX and Equifax reports. 

Thank you

Company response to consumer: Closed with explanation