vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-09 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: GA

Complaint narrative:
RE : In response to complaint # XXXX abount an account with XXXX XXXX XXXX listed on my credit report. 
Experian maintains this account was verified as accurate but that conclusion is fraudulent as I have never done business with XXXX XXXX While the burden of proof lies with XXXX XXXX XXXX  Experian, I have issued an Affadavit of Fact & an Identity Theft Report ( attached ) for which neither XXXX XXXX XXXX nor Experian has provided rebuttal. If Experian maintains that my Affadavit of Fact & Identity Theft report are fraudulent, I have attached an Affadavit of Fact in rebuttal for Experian to validate their fraudulent claim of verification & also invalidate my Affadavit of Fact & Identity Theft Report.

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 2022-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Getting a line of credit — 
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
Please see attached document as it contains my complaint. 
I XXXX XXXX XXXX submitting this complaint myself and no third party involved.

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 2022-12-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: IL

Complaint narrative:
On or around XX/XX/XXXX I purchased a XXXX XXXX XXXX from XXXX XXXX located on XXXX XXXX XXXX I got approved for financing through Exeter finance with a car note for {$700.00} The dealership pressed me for a down payment of around {$3500.00} which I paid unknowing that since I had already been approved for financing I didnt need to put down a down payment. This was the second vehicle I had purchased there within a years time time. In XXXX of XXXX purchased a new XXXX XXXX XXXX for my daughter and put down a {$2000.00} down payment as well, again I was approved for financing through XXXX XXXXXXXXnO will also add in both cases I was advised over the phone of my financial approval. I believe that this pressure for down payments were again my credit rights and violated truth in lending practice according to TILA 15 USC 1635 and 1662. I am feeling like I was taking advantage of because I was a woman. And I am asking that The dealership be held responsible and that these loans be remedied by them as a financial compensation to me and that I receive both car titles as paid in full. am also asking to be refunded the amount of my down payments for both vehicles.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as late. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
I woke up this morning to my wife asking me if I applied for credit with Bank of America and which I replied no and I immediately contacted XXXX to report as fraud and my next step is to contact Bank of America.

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 2022-12-09 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I have pulled my report and there are accounts reporting inaccurately. I know that credit reporting agencies are supposed to report only 100 % accuracy. I have not received any investigation procedure on these accounts. This is obviously a violation of my rights Under 15 USC Code 1681e ( b ) and 15 USC code 1681i ( 5 ). Below are the accounts being reported. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: WA

Complaint narrative:
On Tuesday, XXXX XXXX, I was scammed out of {$990.00} while trying to buy concert tickets. 

I saw a post in a local, private XXXX page advertising for XXXX XXXX XXXX tickets for {$250.00} each. The account I was messaging ( on XXXX XXXX XXXX has posts that go back to 2012 and was the account of an actual person. I transferred {$500.00} through Zelle from my bank account for the first installment of tickets. Once that went through, the scammer said they would send me the tickets once I sent the additional money. I sent the rest of the money, and then they demanded a {$100.00} XXXX fee and I realized that I had indeed been scammed. The account blocked me. I requested the money back, but did not receive it. 

I looked at the account I was messaging with a young woman and I was able to find contact information for her father. He informed me on Thursday, XXXX XXXX, that his daughter 's account had been hacked and she had lost access to it. The scammer is using this girl 's real account to scam people. 

On XXXX XXXX, I disputed the transactions with my bank and they denied my disputes. 

I was convinced it was a real person because of the use of the account that I glazed over red flags.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: WA

Complaint narrative:
Cashapp transaction # XXXX where I was scammed and the merchant blocked me when I tried to retrieve the goods I purchased. This service protects scammers and even filing a dispute with your bank will do nothing at all. They can't get the funds back and expect you to work it out with cashapp and their non existent customer service. Very upset and I encourage many to not use their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
On XX/XX/2022 I attempted to submit a request for XXXX and XXXX dispute. 

I have XXXX and speaking on the phone to people causes me XXXX, I decided to use the chat feature and I found myself talking to a customer service agent who refused to acknowledge my request or document it on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that i am never late of but they're reporting me as 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 2022-12-09 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: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
The address that is reported is incorrect from the one that should be .. ( XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX ) is what it should say. Not ( XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: GOLDMAN SACHS BANK USA
State: IN

Complaint narrative:
Sometime back in XXXX, Marcus by Goldman Sachs stopped sending me paper statements. Because of this I missed a payment. Marcus suspended my card. I immediately paid off the card and closed the account because I felt like that was a terrible way to do business. I never received another paper statement and I had a positive balance of {$.00} on the account when it closed. Several months later, I noticed that my credit score had dropped by XXXX points because Marcus reported my account as delinquent. Turns out they had charged me some sort of bogus interest fee after the account was closed. I had no idea it was even there. This has started a cycle of " missed '' payments, late fees, and interest charges. I have been trying to work with Marcus to get this resolved. I was advised by XXXX of the Managers to make a payment for the balance to stop all of the interest. I was told it would be refunded when the dispute was settled. I finally received a check for that payment back, and then this month, they charged me a late fee on the money that they just sent me a check for. I have called and tried to get to someone who can reverse everything and am getting nowhere. I need them to get my credit fixed ASAP.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I opened checkings account with citibank 2 months ago, deposited almost XXXX thousands dollars! Few days later I tried to transfer {$500.00} from my citi bank to XXXX XXXX They kept on suspending my account! Called the technical support guys and they told me everything was fine and I could go ahead and transfer the money. After few tries they just closed my account for fraudulent activity, I had almost {$4700.00} dollars on the account! Been calling them for past 2 months they keep on ignoring me or hang up the phone on my face plus I ordered account statements they did not send anything except for a letter saying your photo copy request and. Reference no.

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 2022-12-09 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: SYNCHRONY FINANCIAL
State: UT

Complaint narrative:
Purchase made at store location in XXXX MT on XXXX/XXXX/22. 

A commercial credit card was used to purchase blinds for a rental home in XXXX. 

The store employee had difficulty " getting the payment to go through. '' The purchase in dispute is for {$990.00} worth of blinds. I was given the following receipts at the customer support counter : Trans # : XXXX {$1000.00} ( {$990.00} + XXXX tax ) Trans # : XXXX + {$1000.00} ( Credit ) Trans # : XXXX {$990.00} The XXXX/XXXX/22, statement included the following charges and credits from the XXXX Store : XX/XX/22 invoice # : XXXX {$1000.00} XX/XX/22 invoice # : ( {$1000.00} ) XXXX/XXXX/22 invoice # : XXXX {$990.00} XXXX/XXXX/22 invoice # : XXXX {$990.00} I am certain the the extra {$990.00} is an erroneous double charge, and I have disputed it XXXX times. In all this time, I have not received any written documentation from Synchrony bank regarding the resolution of the first XXXX disputes, and was only informed of it being in Lowes favor when I called the customer support number on the Lowes statements. 

Regardless of their previous decisions, I am continuing the dispute the charge because I did not get XXXX sets of merchandise worth {$990.00} on XXXX/XXXX/22 from the XXXX Lowes Store. I have spent a lot of time on the phone and organizing my records to deal with this incorrect charge, and it is still not settled.

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 2022-12-09 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: VA

Complaint narrative:
The following accounts have violated my rights. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 15 USC 1681 section 602 A, states I have the right to privacy.

15USC 1681 Section 604 Section 2, it also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC1681c. ( 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 ante cedes the report by more than seven years.

15 USC 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 explanation
Consumer complaint received 2022-12-09 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NM

Complaint narrative:
On XX/XX/2022 I received an alert from XXXX that they has been a hard inquiry on my credit by Bank of America. I have not tried opening account or any loan products with Bank of America. I have tried contacting Bank of America and I was given XXXX different phone numbers because no one knows how to handle to a fraud situation. I have filed the dispute with XXXX as well, and I have frozen my credit.

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 2022-12-09 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 List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX XXXX XXXX Account name : XXXX XXXX XXXX XXXX XXXX XXXX  Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : XXXX XXXX XXXX XXXX, Account name : US DEPT. OF EDUCATION/XXXX  # XXXX, Account name : 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 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 explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I've got my account with Bank Of America. I was selling my car and got a check of $ XXXX which i deposited to my account, ask the bank teller how long it will take to clear the check, she said next day. 
Next day entire $ XXXX money was in my account. I went to the site and looked at the transaction and all looks normal as my account was credited by $ XXXX. 
The person who sent the check mentioned that funds have been moved out of his account. 
At this point I am certain that transaction has gone through. I paid $ XXXX to a moving service on behalf of the buyer. 
2 days later the entire $ XXXX was gone and check bounced. I was frauded for $ XXXX. 
Why BOA didn't mention in the transaction that Check hasn't cleared and these are courtesy funds??? How do I know that they made it available based on my records but didn't inform me. 
Complete lack of transparency from their side and now they're not taking responsibility whatsoever and blaming me as a consumer to be aware of this. 
How I suppose to know and I transferred money using XXXX, BOA app and they aren't taking responsibility of that either. 
Need government help here. It's so easy technology wise to inform consumers that funds aren't cleared fully and you've courtesy fund provided by BOA. Simple write on the banking transaction to make consumer aware so they don't think that check has been cleared. Right? 
I need my hard earned $ XXXX back. And I want government to add these minor adjustments to banking regulations to protect consumers. 
Thanks! 
XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: TN

Complaint narrative:
XXXX often offers no interst if paid a certain date. I took advantage of these. My statement would generate on the XXXX of every month. Payments made that day for instance XX/XX/22 would not count for that statement period and they would charge interest even though a payment was made by the XXXX of the month. 

I did have a cash advance loan. I paid the amount in full about a week later in XXXX. XXXX would reallocate my payments in such a way to keep loans alive and to generate interest. There is no way for the consumer to direct the paymetns. They claimed you could with the chat feature but multple chats they did not So I was charge interest after payments during a billing cycle and fees for not paying during a billing cycle when I did make a payment within the cycle. I made payment for a statment dated XX/XX/22. XXXX made XX/XX/22 and XX/XX/22 were not counted as payments for the interst and fees charged XX/XX/22. This has occurred agaian and again. 

XXXX claims it takes two billing cycles for a payment to show. 

XXXX says synchoncity bank handles their payment plans but synchronity still advertsies XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-09 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: NY

Complaint narrative:
Experian is reporting inaccurate personal information that does not belong to me with included inaccurate names and inaccurate addresses. There are unauthorized hard and soft inquiries that I did not give consent or permission to and that I am totally unaware of. And they are reporting transactions and experiences on an account that is to be excluded from my consumer report. This has paused me to be declined credit and ruining my reputation and defaming my character.

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 2022-12-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
The address that is reported is incorrect from the one that should be .. ( XXXX XXXX XXXX XXXX XXXX XXXX ca XXXX ) is what it should say. Not ( XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation