vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-01 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: CITIBANK, N.A.
State: MO

Complaint narrative:
In XX/XX/2021 I bought my new house, I went to XXXX XXXXXXXX XXXX store to do some shopping to remodel my house and the register that was in the front offered me {$50.00} free if I paid with the credit card and requested an she offer an increase in my XXXX XXXX XXXX credit card limit, She did not give me any additional information, Only a printed ticket from the register machine and she told me that my credit card would arrive soon with additional information, the credit card did not arrive at my address, nor the additional information, I requested again for the credit card plastic and arrived a week later. 

I never get additional information about the credit conditions, nor additional details. Just a credit card and statement. I called the number behind the card and asked the operator to affiliate my card to automatic payments and sent me a link to do so, so I did it and from there they began to take my payments from my bank account, This is what I do with all my bills to ensure timely payment. 

So far it's been 25 months and when I want to use the credit again to remodel my kitchen, the worst news I received was that the entire payment of {$3100.00} for 25 months went to interest and only {$500.00} to payment of principal. 

I am very dismayed, I have not stopped crying, I feel humiliated and abused to hear from the XXXX Bank agent who answered me yesterday by phone, that there were special conditions and policies that I was totally unaware of and that at the time of offering me the credit card they did not tell me. 

Many registrars of commercial stores, only fall in love by offering discounts and instant benefits and do not explain that the card does not work as a normal and standard credit to pay for 24 or 36 months, no explain rates, interests or payment terms. 

I hereby request the full refund of the interest charged to me, as I consider it a violation of my rights as a consumer. 

Their system Takes {$150.00} approx each month for 25 months is a total of {$3600.00} for interests and that's a lot of money for a low-income family, who were unaware that it didn't work like a standard credit card. And even the debt is intact. 

XXXX XXXX # Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Credit Card XXXX Bank

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 2023-06-01 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:
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 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 2023-06-01 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: GA

Complaint narrative:
When I got the XXXX Synchrony card, I was told that there would be 0 % interest for 6 months. After that interest would be charged at a 29.99 % rate. I was charged {$110.00} in interest on XX/XX/XXXX. I contacted the company on XX/XX/XXXX and asked why, they stated that the promotion was over. I was told that I would be charged {$110.00} of interest now and additional interest after. I have another card with Synchrony Bank and did not have this issue after a promotional balance. My fiancee ' also as the same XXXX card and did not have this issue. This would cause me to pay the same interest twice over the course of the year.

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 2023-06-01 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: FactorTrust, Inc.
State: OH

Complaint narrative:
FactorTrust run by XXXX have another consumer on a report which I have copies of reported that the information is mine. The consumer has indeed my social security number but not the same birthdate or name. Ive asked them to remove the information and to stop sending it to be verified as my information. This person was getting loans using my social security

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
Account was paid off in full, account is still being reported on my credit as a charge off

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: IN

Complaint narrative:
I do not recognize these inquiry as per the FCRA 605B, these informations must be removed until the investigation is over. I want these to be investigated and be removed as soon as possible because these inquiries does not belong to me.

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 2023-06-01 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: TX

Complaint narrative:
I checked my credit report and noticed some fraudulent items that are in violation of the Fair Credit Reporting Act that needs to be removed. I am considering arbitration or litigation if these negative accounts aren't removed from my credit report. 

Accounts to be removed : XXXX. XXXX XXXX ( Original Creditor : XXXXXXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX  XXXX XXXX ) XXXX. XXXX XXXX XXXXXXXX

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 2023-06-01 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:
I checked my credit report and noticed some fraudulent items that are in violation of the Fair Credit Reporting Act that needs to be removed. I am considering arbitration or litigation if these negative accounts aren't removed from my credit report. 

Accounts to be removed : XXXX. XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX. XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX. XXXXXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: CBC Companies, Inc.
State: PA

Complaint narrative:
Please see the attached documents as it contains my complaint and my identification. No need to send out letter stating you can not identify me, as My identification and proof of address is attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. '' Equifax and XXXX and XXXX are consumer reporting agencies and I am the Consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers and to protect the security and confidentiality of those customers nonpublic personal information. '' XXXX  is a financial institution by definition under that title. 15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. '' XXXX the financial institution and the Consumer reporting agencies Equifax and XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to Equifax, XXXX, XXXX, XXXX whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. XXXX Never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states " Except as authorized under subsection ( b ), 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 account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 1681s2 ( A ) ( 1 ) A states " 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. 15 U.S. Code 1681e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. Equifax and XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR 1016.7 states that " A consumer may exercise the right to opt out at any time. '' I am opting out of your reporting services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: Bread Financial Holdings, Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act this account, Forever 21, 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 within 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 purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: AZ

Complaint narrative:
I am in the process of trying to buy a home and everything was going great until my credit dropped almost 40 points because of a said " late payment ''. I was in contact with the company trying to dispute this and they still came back and said it was late. I have the account statement showing that my payments were made. And even if they claim i was late my account as of today stands as current. why can't they just remove the 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 non-monetary relief
Consumer complaint received 2023-06-01 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, has violated my rights. 15 U.S.A 1681 section 602 states i have the right to privacy. 15 U.S.A 1681 section 604 A Section 2 : It also states A consumer reporting agency can not furnish account without my written instructions. 15 U.S.A 1681c. ( a ) ( 5 ) Section States : no consumer agency may make any consumer reporting 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.A 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 non-monetary relief
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
This people send letter about a medical debt i am requesting info and they no respond i attach here the info i need, this violate Hipaa law. Also this account is the same i received from another collector " XXXX '' and the account was removed after my complaint NOW you tried to do the same!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: EQUIFAX, INC.
State: SC

Complaint narrative:
The current issue is causing me significant distress and is having a negative impact on my sleep.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-01 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: IL

Complaint narrative:
I NOTICED INACCURATE INFORMATION ON MY CREDIT FILE AND I SENT IN SEVERAL DISPUTES, I NEVER RECEIVED A RESPONSE FROM ALL THREE CREDIT REPORTING AGENCIES REGARDING THE 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 explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
I called customer service to inquire about changing credit card products. In doing so they read me the terms and they said they hold the right to remove my rewards points but didn't state under what conditions. I asked before proceeding if in my case the rewards would be reduced and the agent answered that no my rewards would not be removed. I made my decision to move forward with the product change based on the agent 's response. It turned out the agent 's information was incorrect and deceptive. A few days later Amex drained my rewards point balance by XXXX points. I informed them I made my decision based on the agent 's clarification following my question. I believe this is an unfair and deceptive practice and the agent 's answer to my question is what led me to the decision I made to switch products.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Amscot Corporation
State: FL

Complaint narrative:
My mother died like 2 months ago I lost my job a month later im no working and the XXXX  of these people calling. one of them is because they were putting fees in there that was not discussed. 
The company name is XXXX Amscott i did a payday loan not expecting to be fired from my job i needed the funds because my XXXX XXXX  took almost everything i had I also i get automated calls about an extended warranty or buying and selling a house i dont appreciate my personal info be bought or shared

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Last reported XX/XX/2023, on two accounts with XXXX XXXX XXXX reported to my credit and it making an impact to my credit. 

Last reported XX/XX/2023, Medical Data Systems Ins reported to my credit Last reported XX/XX/2023, XXXX XXXX reported to my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I submitted a dispute to all three credit reporting agencies and never received a response back regarding the investigation.

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 2023-06-01 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Confusing or misleading advertising or marketing — 
Company: BAM Management US Holdings Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXXXXXX I Withdrawal from my XXXX  account a XXXX tokens of Gala to my Binance account but they now say that money Lost because the token is old version but there's not any notice in the app, to specify wich kind of version they admitted and wich not, I was talking with costumer support and they send me a XXXX link. 
They should have the obligations to inform in app not in XXXX now I lost all funds because they even dont let the costumer to know about that information that in the app.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I NOTICED INACCURATE INFORMATION ON MY CREDIT FILE AND I SENT IN SEVERAL DISPUTES, I NEVER RECEIVED A RESPONSE FROM ALL THREE CREDIT REPORTING AGENCIES REGARDING THE INVESTIGATIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-01 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I NOTICED INACCURATE INFORMATION ON MY CREDIT FILE AND I SENT IN SEVERAL DISPUTES, I NEVER RECEIVED A RESPONSE FROM ALL THREE CREDIT REPORTING AGENCIES REGARDING THE 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 explanation
Consumer complaint received 2023-06-01 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: GA

Complaint narrative:
I previously contacted XXXX XXXX about them sending me information on the XXXX XXXXXXXX XXXX but they have not be very helpful. I submitted a complaint with CFPB and they went on my experian credit report to duplicate the XXXX XXXXXXXX account on my credit report. they are duplicating the same account on my credit report twice

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 2023-06-01 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:
I sent in proof that the car dealership released the lien on my car and that the car dealership sent me my car title showing my vehicle is paid off. Experian and other credit agencies refused to remove or update the error on my file to being paid and closed. They didn't send me any documents showing why they denied my request to update my credit report. This has caused me great harm and stress. My credit report score has gone down because of this error.

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