vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I attended XXXX XXXX of XXXX. This was a for-profit school that offered technical training and ongoing professional support for graduates. I was enrolled in the XXXX XXXX program. After XXXX, the school changed names several times. They went out of business in XXXX and stopped accepting my loan payments. I discovered that the school had gone into bankruptcy and was part of a national lawsuit. 
I did not know my loan was transferred to XXXX XXXX until a year or so after because I was never notified, and then the repayments were paused because of XXXX. However, If I WAS notified, I would have requested my loans be put into forbearance. I have been below the poverty line for many years and the school I paid to train me and launch me into the professional world failed me and stole my money without providing the ongoing job placement and continuing education as promised. 
This loan was forgiven in XXXX as a result of the XXXX XXXX decision to forgive these fraudulent loans. 
I have requested that XXXX XXXX remove these lates, but they are no longer in business suddenly, they merged with XXXX, and XXXX says they don't show my loans in the system even though they were the ones who sent me the notice that my loans were forgiven just 2 months ago. 
I am requesting that the XXXX XXXX account not be allowed to be reported on my credit report since they do not have any record of me at all nor do they have any record of lates payment or forgiveness or anything. 

I am in the process of obtaining a mortgage and these lates are hurting my hard-earned credit. 

The arbitrary lates listed on my credit report for XXXX XXXX are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and are being reported to XXXX and Transunion.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: PA

Complaint narrative:
I attended XXXX XXXX of XXXX. This was a for-profit school that offered XXXX XXXX and ongoing professional support for graduates. I was enrolled in the XXXX XXXX program. After XXXX, the school changed names several times. They went out of business in XXXX and stopped accepting my loan payments. I discovered that the school had gone into bankruptcy and was part of a national lawsuit. 
I did not know my loan was transferred to XXXX XXXX until a year or so after because I was never notified, and then the repayments were paused because of XXXX. However, If I WAS notified, I would have requested my loans be put into forbearance. I have been below the poverty line for many years and the school I paid to train me and launch me into the professional world failed me and stole my money without providing the ongoing job placement and continuing education as promised. 
This loan was forgiven in XXXX as a result of the XXXX XXXX decision to forgive these fraudulent loans. 
I have requested that XXXX XXXX remove these lates, but they are no longer in business suddenly, they merged with XXXX, and XXXX says they don't show my loans in the system even though they were the ones who sent me the notice that my loans were forgiven just 2 months ago. 
I am requesting that the XXXX XXXX account not be allowed to be reported on my credit report since they do not have any record of me at all nor do they have any record of lates payment or forgiveness or anything. 

I am in the process of obtaining a mortgage and these lates are hurting my hard-earned credit. 

The arbitrary lates listed on my credit report for XXXX XXXX are : XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXX and are being reported to Equifax and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: JPMORGAN CHASE & CO.
State: VA

Complaint narrative:
I recently transferred money on XXXX to my friends and my account got restricted and finally closed by Chase. I asked for the reason and there was no clear response. The Chase checking account is my account, I have a special feeling about it so I am wondering how can I reopen this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: GOLDMAN SACHS BANK USA
State: TX

Complaint narrative:
The Greensky program settlement administrator is not following consent order file # XXXX. I was supposedly mailed a redress payment of over {$44000.00} but i did not receive it.

Greensky program settlement administrator has verified I was issued a check ( void after 90 days ) over a year ago, that it was not processed, and I am to receive a new check. That was established XX/XX/2023 and now as of XX/XX/2023 a check has still not been sent to me. I have been checking with the settlement administrator by email and phone and have been repeatedly told they are not " cutting '' new checks yet. 
It sure appears to me to be stall tactics. How long does it take to have a check cut? 
I have searched CFPB website and called several times but have been unable to find what department ensures consent orders are followed by the respondent. 
PLEASE HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to formally file a complaint against Experian located in XXXX XXXX, CA. This company has repeatedly violated my consumer rights under the Fair Credit Reporting Act, causing me significant financial and mental distress. To begin with, they have reported an erroneous and unverifiable account on my credit report, and despite my requests for proof of claim as required by the FCRA, they have failed to provide the necessary documentation. Despite my persistent efforts to resolve this issue over the past several months, Experian has consistently ignored my communications and legal submissions aimed at removing this inaccurate information from my credit report. It is disheartening to note that there are numerous other complaints against this company for their illegal and unethical business practices, yet they continue to operate. The unprofessional and negligent behavior of Experian has inflicted severe harm not only on my ability to establish credit and secure favorable interest rates but also on my professional reputation and personal well-being. I implore you to assist not only me but also other consumers facing similar issues by putting an immediate stop to these unethical and immoral business practices. I genuinely appreciate your time and assistance in addressing this matter and eagerly await your response.

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 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY

Complaint narrative:
Kohl 's department store made an ad online for XXXX for {$79.00} and they are saying they cancelled everyone 's orders and did not honor them because they made a mistake, and they should have been {$790.00}. I have a confirmation number and they took the money out my account and now are saying I should receive my money back in a few days. So, they not only did not honor their ad they held up my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting 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: NM

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.

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 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 non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NM

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.

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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
capital one is charging interest as soon as the purchase is made, rather than waiting to see if the bill is paid for the purchase by the due date. they say they can do this because there is a balance carrying over to the next cycle. however, the balance they describe are really just new purchases in the new billing cycle. this has resulted in me paying hundreds in interest for purchases that were paid on time according to their billing cycle. they refuse to refund. 
capital one is charging interest as soon as the purchase is made, rather than waiting to see if the bill is paid for the purchase by the due date. they say they can do this because there is a balance carrying over to the next cycle. however, the balance they describe are really just new purchases in the new billing cycle. this has resulted in me paying hundreds in interest for purchases that were paid on time according to their billing cycle. they refuse to refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-14 00:00:00
Product: Credit reporting 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: MA

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

Account # XXXX. XXXX accounts as the same beginning numbers. 
Account # 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 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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CO

Complaint narrative:
Agreed to cosign on a car loan for my sister through XXXX universal acceptance. We made a payment on XX/XX/2023 and another payment on XX/XX/2023, which is a 14 day difference, however, XXXX is reporting that XXXX payment was more than 30 days late. 

XXXX is reporting that from XX/XX/2023 to XX/XX/2023 is a 39 day difference. My issue is that I have disputed this with all three credit bureaus, XXXX, XXXX, and Trans Union, but because XXXX is verifying that the payment is more than 30 days late, the credit bureaus will not remove the derogatory remark. I have provided XXXX, XXXX and TransUnion proof that the payment was not more than 30 days late by providing bank statements and screenshots of payment history from XXXX. 

I have provided clear evidence that XXXX is not providing or verifying accurate information yet XXXX, XXXX and TransUnion are still honoring the inaccuracy as I have disputed the derogatory remarks multiple times and provided proof. 

The proof that I have provided should Trump whatever XXXX is verifying via word of mouth. If I have the evidence and I can prove that there is a discrepancy, that should be enough for XXXX, XXXX and Trans Union to remove the derogatory remark for my credit report but because XXXX, XXXX and TransUnion will not remove the inaccuracy even after I have disputed the inaccuracy and provided proof, I have decided to file this complaint with the consumer, financial protection agency.

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 2023-11-14 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
This inquiry is not authorized and was done by that creditor without permission! You must remove this as soon as possible.

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 2023-11-14 00:00:00
Product: Credit card — Store credit card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
They stated that for ME only this balance transfer was blocked. They refused to say why they have been steadily cutting down my credit limit each month and are refusing to honor purchases. These were not the original terms of agreement and they can't keep changing terms without notification and discriminating on me personally. I am a XXXX that can't afford to keep paying their disgustingly high interest rates.

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 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: COLUMBIA BANKING SYSTEM, INC.
State: CA

Complaint narrative:
On XXXX XXXXXXXX I opened a checkings account and funded the account with {$2000.00}. A few days later I tried to transfer the funds to another external account. Umpqua 's internal system triggered some sort of fraud. I was not notified of this fraud, I tried to access my account several days later, on the XXXX. My account was blocked, said the wrong username/password. I called their customer service line and they told me I need to go my nearest branch and submit a statement that I own the external account. I did provide proof of ownership on Friday, the XXXX. They told me they would look into it and get back to me Monday. Monday rolled around and I was not contacted, I contacted the bank again. 

They said that they will be closing the account. With that being said, the {$2000.00} transfer needs to be taken care of an this is what they emailed me stating how to take care of it XXXX will need to contact XXXX XXXX  and have them pull back the {$2000.00} transfer that was sent. Once that gets debited from his account here, we will close the account. Please ask him to call XXXX and get that process started. If he doesnt want to do that, we will have to hold the funds. And those funds can take up to 60 days to return. 

I then spoke with a branch rep and was told I had revert my initial funding, I had funded the account with a credit card. I contacted XXXX the following day, Tuesday and was told the customer service representative the full rundown of what has proceeded so far. I essentially told the representative that I would like to submit a chargeback for the {$2000.00} but when she asked me if the charge was fraudulent I responded with no, she then also asked me if I made the purchase or someone else, and when I told her that I was one making the purchase, she denied me the chargeback claim citing that the {$2000.00} charge was not fraudulent and done under my volition. I told her that Umpqua Bank was closing the account and forcing me to submit a chargeback. She then told me that I needed to work this out with the bank, they should let me transfer out or send a check. 

I then informed Umpqua of what XXXX told me and still refused to allow me access to my account. I informed them I would close my account once I was able to gain access and transfer the funds. I was told by the bank that there was nothing they could do. They locked my account and refused me access even after I provided proof of ownership of the external bank account, which they accepted and still denied 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 2023-11-14 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I received a text message from Citibank " Free Msg Citi Fraud Dept : Card XXXX. We need to speak to you about your acct. Please call XXXX. Reply STOP to Opt-Out ''. This message came from the same number Citi has used to text me before, so I called. 

The first time I called, the representative verified my information and asked to call me back in 1-2 minutes. They called me back from a random number from Tennessee not associated with Citibank. I was unable to verify that number was from Citibank so I refused to continue. 

The second time I called the XXXX number, the representative asked me to tell them a code that was texted to me. The text read " Citi ID Code : XXXX XXXX XXXX XXXX XXXX XXXX  We'll NEVER call or text for this code. ". As the representative had called to ask for the code, I refused the code and refused to continue the call. 

Then, I called the number on the back of my card, resolved the fraud alert, and the representative confirmed that both of my prior calls were indeed to a valid Citibank line. I asked to escalate to a supervisor, as providing account details to a number not associated with Citibank directly contradicts their anti-fraud advice. Additionally, a Citi representative asking for a security code in a tex that clearly states they will NEVER call for the code directly contradicts their anti-fraud advice. 

The representative claimed to have escalated the case, but I was given no tracking number to ensure that the representatives prior were indeed acting in accordance to Citi policy or if I was a victim of fraud in some other way. 

I am concerned that Citi is failing to adequately control and monitor their anti-fraud procedures and the way in which those procedures are carried out by their support team. This results in me as a customer taking unnecessary risks with my sensitive account 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 non-monetary relief
Consumer complaint received 2023-11-14 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
Earlier this year, Citibank, without any notice or explanation, closed my long-standing checking and savings account. Around the same time, Citibank also closed my mother 's checking and savings account. Two ( or so ) months later, Citibank also closed my Costco credit card, issued by Citibank. After they closed the checking and savings account, I called ( I learned only when one of my bills were not paid, and I incurred fees because of that ) Citibank wondering why my payment hadn't gone thru ( I had XXXX XXXX XXXX XXXX XXXX in the saving account ). I was told my accounts are closed. I asked for reasons, they gave me none, and told me to go to a Citibank branch. I went to the one in XXXX, VA, spoke with the manager, and she gave no reasons. Soon after, they sent me a letter informing what I already had experienced : that my accounts are closed, and again, the letter gave no reasons why the account were closed. 

Both my mom and I have had impeccable credit record. 

I thought this was just bad business decision by the bank and didn't believe there was anything I could have done to restore my accounts. But I saw recently that CFPB had settled a case with Citibank and penalized the bank for discriminating against XXXX  Americans. I am an XXXX-American, and so is my mom. Her account was opened in XXXX, CA area ( and if I recall correctly, so was mine ). Both our last names end in " XXXX. '' I believe my mom and I were discriminated against because of our ethnicity.

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 2023-11-14 00:00:00
Product: Credit reporting 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: FL

Complaint narrative:
This information is totally bad for my credit. It is wrong information. It has to be deleted now. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation