vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-10 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have used XXXX for a number of years. They offered me a personal line of credit of {$2800.00}. I agreed to their terms ( the fine print ), understanding that the personal credit line was actually offered by Synchrony Bank. Since I have a very short credit history, I am vigilant to always pay down to zero any credit use within the terms of the credit card or personal credit line so that my credit score is impacted as little as possible. 

As I understood how credit scoring worked, use of my credit while keeping percentage of use below 30 % was ideal for increasing score over time. 

On XX/XX/XXXX I made a payment of {$1500.00} as I had used XXXX to conveniently purchase two airline tickets at XXXX XXXX earlier in the month. This amount was immediately debited from one of my accounts at XXXX Bank. As of today, XX/XX/2022, Synchrony Bank is holding back almost {$1000.00} of my credit line as 'security ' which is what their representative told me earlier today when I called to inquire why credit reporting agencies were showing my credit use much higher than it should have been. 

My guess is Synchrony is using this hidden and deceitful 'security ' as a way to comply with Federal Banking regulations related to retained capital requirements. Synchrony would not tell me when the 'security ' hold would be taken off my account. 

This practice is opaque, not explained AT ALL when opening the personal line of credit, and very negative to my overall credit rating which dropped XXXX points in the latest cycle despite me having no real outstanding debt. I liken this to corporate check kiting. Where are the regulators?

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 2022-06-10 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: MA

Complaint narrative:
Under 15 U.S.C 1681b - permissible purposes of consumer reports ( a ) IN GENERAL - Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with written instruction of the consumer to whom it relates. 

I never gave EXPERIAN any written consent to report anything on my credit report. NO CONSENT IS IDENTITY THEFT. 

On the date of XX/XX/2022 I sent EXPERIAN a Affidavit because I discovered multiple errors and incongruencies after review of the consumer credit report. I required that they supply me with sufficient information validating and verifying all accounts on the credit report otherwise they are required to delete all accounts on the credit report. They have never supply me with sufficient information and they continued to report negative and defaming information. I do not agree with their actions. They were given 30 days and after no response I sent an Opportunity to Cure on XX/XX/2022. In which they were given another 10 where I required they delete all accounts on the credit report and a XXXX score reflecting my open credit. I did not receive a response after and the Notice of default went out on XX/XX/2022 in which they were given another 10 days. EXPERIAN is in complete violation to the Fair Credit Reporting Acts and it is causing me great stress because due to COVID-19 it has been hard on my family and me with getting denied credit due to the incongruencies on the report. 

Their non-response means they do not have anything on file to validate and verify the any and all of the accounts on the credit report and they can not provide a certificate of financial statement signed under penalty of perjury from any alleged creditor that there is a debt.

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 2022-06-10 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XX/XX/XXXX Account # XXXX XX/XX/XXXX XX/XX/XXXX Account # : XXXX XXXX Account # XXXX 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 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: AL

Complaint narrative:
ILLEGAL OUT OF STATE GARNISHMENT - I live in XXXX XXXX I have XXXX accounts with Chase Bank. Someone got a judgment against me with regard to a company that went bankrupt in XXXX  State that was determined to be a ponzi scheme. All transfers made by that company before it went bankrupt were able to be avoided by the trustee including payments to me and others. I was a victim. That person went to jail. A judgment was entered against me in XXXX. A debt collector law firm registered the judgment in XXXX XXXX, XXXX on XX/XX/XXXX and filed a writ of garnishment against my bank accounts in XXXX XXXX in XXXX XXXX XXXX where I have never lived or done any business or even visited. They sent it to Chase Bank because Chase bank does business in XXXX XXXX and I bank at Chase Bank in XXXX. Chase Bank froze my wife 's and my XXXX accounts XX/XX/XXXX for XXXX. XXXX was a sole proprietorship dba business account with most of our small business ' customers ' money, XXXX was a joint personal checking and XXXX was a personal savings account. They almost put us out of business. I had no money for food, no working capital, no money to survive on. We received the notice of course after the freeze. The courts don't care, the lawyers don't care. XXXX has exemptions that allow you to have some money left to survive on but XXXX doesn't. Chase applied the XXXX state exemption of {$500.00} and left us with only {$500.00} to live on. We work for ourselves so we had no paycheck coming in for money. They took our whole source of income. That should be illegal. The collection lawyers are supposed to come to XXXX with the judgment so I can fight it in XXXX and apply XXXX exemptions. My agreement with Chase says my account is located where I opened my account in person or where I live if I opened it digitally. I didn't open my account in the state of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: ID

Complaint narrative:
On XXXX I deposited a check from XXXX XXXX XXXX XXXX to me through the Wells Fargo app on my phone. XXXX XXXX XXXX XXXX sent me a refund from my escrow account on XX/XX/2022, as I have my home mortgage through their bank. Wells Fargo put the deposit on hold and then automatically sent me e-mails saying my checking account and savings account were being closed on XX/XX/2022 due to " one or more checks deposited to or cashed against your account suspected to be counterfeit ''. 

I immediately called Wells Fargo and the first individual I spoke with said I had to fix the problem as the check was coming back suspected of being fraudulent and would help me no further. I called XXXX XXXX XXXX XXXX and they informed me there was nothing wrong on their end. I called Wells Fargo back, another 40 min wait, and got the same answers and was told I could not withdraw the money out of my account that was not under dispute, could not close my accounts and would receive a check for the funds in my account 7-10 business days after my account are closed on the XXXX of XXXX. We disputed the ridiculousness of this as I have been a member for 20 years without any issues and have the paperwork to go with this check from another Bank to show proof of it being legitimate. The Wells Fargo employee refused to help or call the other bank with me on the line and then hung up on me. 

If it was truly suspected of being counterfeit, they are required by law to investigate it and report it to law enforcement. They are doing neither. Instead, they are refusing to help their customer and are simply closing my accounts.

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 2022-06-10 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Credit Karma, LLC
State: GA

Complaint narrative:
On XX/XX/XXXX, I transferred money from my Credit Karma savings account to my external bank account that was linked.The amount was {$940.00}. It shows on Credit Karma that it arrived in my XXXX account on XX/XX/XXXX. There is no money. I spoke with several Credit Karma reps via email and over the phone, and they told me XXXX is at fault, or that I can speak with their specialty team. XXXX has no record of this transaction pending, or even existing. Credit Karma has said they would escalate it but refuse to put me in contact with their higher ups to resolve this, they said they cant dispute it since theres no proof the money didnt land in the external account, and various other excuses. I have provided proof to them it did not land in my account like they asked and they still will not dispute it or refund my money. I am out almost {$1000.00} because of this. I am not the first person they have done this to if you look online. They are embezzling money from the customers that bank with them I believe. And when asking if I can dispute this, they told me theres no way to since its in my account. They also claimed XXXX told them they have my money, and when I asked for proof of who they spoke with at XXXX Bank and the email showing this, they couldnt provide me with anything. I just want my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: GA

Complaint narrative:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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 XXXX XXXX XXXX XXXX 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 an 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 2022-06-10 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act. XXXX XXXX, XXXX Account # XXXX, and XXXX 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 explanation
Consumer complaint received 2022-06-10 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: Experian Information Solutions Inc.
State: CA

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. 
XXXX XXXX, XX/XX/XXXX, XXXX XXXX, XXXX XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX XXXXXX/XX/XXXXXXXX XXXX, are all unauthorized and 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 2022-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: TX

Complaint narrative:
On XX/XX/2022 I checked my mail and received to seperate envelopes from a company named CHIME. In the first envelope was a debit card, second envelope was a credit card. I did not open this account. I contaced the number in the back of the card and they wanted me to give them an email and the last four digits of my social security. I told them I would not do that and to make a notation that I did not open neither accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Opening an account — Account opened as a result of fraud
Company: SANTANDER BANK, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Someone tried to open a bank account in my name at Santander Bank Santander Bank called me to 'welcome me to my account ' on XXXX XX/XX/XXXX in the morning. I called back and reported it to Santander as I did not open an account. They had all my personal information, including the last four of my SSN. 

Gave me claim number of XXXX Santander was not very helpful to me- they said they " might '' call me back and did not provide evidence that they shut down or suspended the account. Very concrned that this was not escalated in a responsive way. Said it might take a week and to find I more I needed to go in person to a branch. I need help making sure this account is shut down and it is not opened in my name.

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 2022-06-10 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: Bread Financial Holdings, Inc.
State: NM

Complaint narrative:
I gave the company a date when payment would be made and they continue to call over 10 times a day to get payment. I am trying to work and can't have my phone constantly ringing from this company trying to get a payment when I already told them when that payment would be made. Today I have had 12 missed calls since XXXX and it's only XX/XX/XXXX. I don't appreciate the harassment and disregard for people trying to earn a living during these times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-10 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: ALLY FINANCIAL INC.
State: MI

Complaint narrative:
Please reopen complaint XXXX. The company, Ally Bank, didn't to respond to our complaint that their automated system failed to work - rather, Ally reiterated WHAT HAPPENED 'because their automated system didn't work '! In addition, their system sent our monthly statements to some address in XXXX, not our address ( XXXX XXXX XXXX XXXX XXXX MI XXXX As a consequence, we were not even informed that their automated payment system failed.

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 2022-06-10 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
I have been trying to get CitiFinancial to provide my XXXX breakdown of the closing disclosure for {$100000.00} which I believe to be a revision of XXXX closing disclosure for {$110000.00}. Last conversation I had with them is because we are no longer with them and because it is such a long time ago they do not have to look any further because the files can not be located which does not make sense. Why is it that they are able to retrieve XXXX breakdown but not XXXX breakdown. Please help or direct me to anyone that can help with this matter. 

Thanks in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: GA

Complaint narrative:
" In accordance with the Fair Credit Reporting Act, the item listed below has violated my rights. 

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

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

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 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have never had a personal account with these banks. 
I believe that I am a victim of fraud and/or identity theft. For the past two years, the thieves have made my life a living nightmare. Performing 'normal ' financial activities have been an uphill battle and I am writing to dispute the following items on my credit report maintained at your bureau. 
Each of the accounts and transactions I dispute were opened and made by someone with a similar name as me or someone pretending to be me. I never authorized, used, or benefited from these accounts or transactions in any way. 
Please validate this information with XXXX Bank and provide me with copies of any documentation associated with this account bearing my signature. In the absence of any such documentation bearing my signature, I ask that this information be immediately deleted from the file you maintain under my Social Security Number.

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 2022-06-10 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: Chime Financial Inc
State: KS

Complaint narrative:
In XX/XX/ 2022, I received emails about an account being opened in my name with my email address with Chime. I did not open not authorize an account to be opened. I informed chime via email several times that I did not open or authorize this account to be opened. I also demanded that they remove my account and my information and block any related information to my name or me in any manner from their entire system. This conversation and multiple requests achieved nothing except chime continuously refusing to remove my application, account, or personal information from their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-10 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # : XXXX XXXX Account # XXXX 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 2022-06-10 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXXXXXX XXXX  Account # XXXX XXXX XXXX Account # : XXXX XXXX Account # XXXX 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