vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-19 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: JPMORGAN CHASE & CO.
State: MD

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: AMERICAN EXPRESS COMPANY
State: MD

Complaint narrative:
My name is XXXX XXXX, and I am sending this request myself to address the inaccuracies on my Credit Reports. I have been patiently waiting on their response to the written requests I sent. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as wilful negligence and non-compliance with federal statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BARCLAYS BANK DELAWARE
State: GA

Complaint narrative:
To whom it may concern : I am having a completely poor customer experience with the XXXX XXXX barclay 's MasterCard. I have been complaining for over a month about the card, the customer service, the website, etc. 

I want to pay off the card and completely close/cancel the account, however your website will not allow me to log in nor will it allow me to reset login name and password. 

I've called into Customer Service at XXXX and the Customer Service Reps are totally lost on resolving my issue. In additional sent letters to Barclays Bank Delaware, XXXX box XXXX, XXXX, DE XXXX and still no response after greater than 30 days. 

Note : If this account goes past due, I will not pay any late fees. I've complained so many times over the past month, without anyone emailing me or giving me a call in attempt to help. I am also turning this into the better business bureau. 

I did not have any of these issues when XXXX XXXX card services were with XXXX. The migration to barclays has been a total failure. 

I need this business to contact me so that I can pay off the bill and close the account. 
I NO LONGER WANT TO DO BUSINESS WITH MASTER CARD/BARCLAYS/XXXX  XXXX XXXX I ALSO WANT FOR MY REWARDS POINTS TO BE TURNED INTO CREDIT ON THE ACCOUNT OR CASH PAYOUT. 

Last Four of Account : XXXX Exp Date : XX/XX/27 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 2022-07-19 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: WA

Complaint narrative:
XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX has violated this law because this late payment is reporting on Experian and XXXX. 

15 USC 1681a ( 4 ) says, 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 so XXXX has violated this law because this late payment reporting on Experian and XXXX is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX has violated this law because they furnished this EXPERIENCE to Experian and XXXX and I didnt give them permission to do so.

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 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Problem adding money
Company: AMERICAN EXPRESS COMPANY
State: IN

Complaint narrative:
American Express : First they refused to close my savings account, then they froze my card after transferring customer service to " XXXX '' Both accounts are still active, and I still get emails even though I have no control over the accounts... 

State of Utah American Express bank ( XXXX and XXXX )

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ

Complaint narrative:
I am writing this letter to inform you that this account has been opened fraudulently and does not belong to me and has to be deleted immediately by law. 


account #. XXXX account name. XXXX XXXX XXXX XXXX 15 U.S.C. 1681x 15 U.S. Code 1679c

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 2022-07-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Shellpoint Partners, LLC
State: OH

Complaint narrative:
New Rez mortgage company phone number : XXXX Trying remove pmi. I have been denied multiple times. Mistakenly reviewed my loan as an fha loan while my loan is actually a conventional loan. Took my bpo appraisal fee and put it into escrow. Have been denied for pmi removal because I am getting refused an appriasal. There is not eta on any correction. I have left a formal complaint. 

Called in : XX/XX/XXXX for pmi removal XXXX paid XXXX for pmi removal valuation XX/XX/XXXX took my XXXX  money and placed in escrow. Refused pmi removal appriasal and I left a formal complaint XX/XX/XXXX still no progress. Seems to be unorganized and lacking any intention solve problem.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX, Consumer, and a natural person am aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXXXXXX XXXX  XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. DEPT OF EDUCATIONXXXX Account : XXXX -Original loan amount {$2600.00} DEPT OF EDUCATION/XXXX- Original loan amount {$1000.00} 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. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
XXXX violated my consumer rights. 

15 USC 1666b : timing of payments says, a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose so XXXX has violated this law because this late payment is reporting on XXXX and TransUnion. 

15 USC 1681a ( 4 ) says, 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 so XXXX has violated this law because this late payment reporting on XXXX and TransUnion is a violation of my right to privacy because I didnt give them permission to report it publicly. 

15 USC 1681a ( 2 ) ( a ) ( i ) says, The term consumer report does not include transactions or experiences between the consumer and the person making the report so XXXX has violated this law because they furnished this EXPERIENCE to XXXX and TransUnion and XXXX didnt give them permission to do so.

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 2022-07-19 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:
I checked my credit report & noticed unauthorized hard Inquires from various dealerships & other companies.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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:
I checked my credit report & noticed unauthorized hard Inquires from various dealerships & other companies.

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 2022-07-19 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX, Consumer, and a natural person am aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. DEPT OF EDUCATIONXXXX Account : XXXX -Original loan amount {$2600.00} DEPT OF EDUCATION/XXXX- Original loan amount {$1000.00} 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. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-19 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: FL

Complaint narrative:
My name is XXXX XXXX XXXX, Consumer, and a natural person am aware of all rights that I have, and which are protected by Congress and under the Fair Credit Reporting Act. The list of accounts has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX. XXXX XXXX Account number : XXXX XXXX. XXXX XXXX XXXX Account : XXXX XXXX. XXXX Account : XXXX XXXX. DEPT OF EDUCATIONXXXX Account : XXXX -Original loan amount {$2600.00} DEPT OF EDUCATION/XXXX- Original loan amount {$1000.00} 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. 
15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: NC

Complaint narrative:
the XXXX Bureaus haven't responded to any of my Complaints and a friend of mine told me they have to respond within 30 days and I still don't have any results of they 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 2022-07-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
My information was leaked in a data breach and was used fraudulently to open accounts without my permission or knowledge. I have filed a report with the FTC report number FTC number : XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX  XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My information was leaked in a data breach and was used fraudulently to open accounts without my permission or knowledge. I have filed a report with the FTC report number FTC number : XXXX XXXX XXXX XXXX {$140.00} XX/XX/XXXX XXXX XXXX XXXX XXXX {$160.00} XX/XX/XXXX XXXX XXXX XXXX {$2500.00} XX/XX/XXXX XXXX XXXX XXXXXXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2022-07-19 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: CAPITAL ONE FINANCIAL CORPORATION
State: GA

Complaint narrative:
they applied to a capital one credit card in my name, but this product, I already have it. but appears on XXXX  with an amount of {$380.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 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: GATEWAY FIRST BANK
State: KY

Complaint narrative:
XXXX XXXX XXXX # XXXX pulled my credit without my authorization and refuses to remove the inquiry. I did not apply for a home loan with her.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Early Warning Services, LLC
State: OK

Complaint narrative:
A search for Zelle 's Customer Service was made on XXXX. A website was identified with an site address as XXXX. The person answered as a Zelle employee and indicated that my money was held up on Zelle 's server. I proceeded to work with the " so call Zelle representative '' on running an identification verification using Zelle. The phone number I called was XXXX, in which he asked to call me back on his desk phone at XXXX. After instructing me to transfer on Zelle, {$220.00}, in which he assured me was not being with drawn but only to authenticate my location. He asked to perform the same process with {$550.00} for my identification. At this point, I stopped him and call XXXX XXXX immediately to stop the initial transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Advertising — Confusing or misleading advertising about the card
Company: Netspend Corporation
State: FL

Complaint narrative:
we received TWO different cards in the mail addressed to somebody else, both from banks. 
1 ) Brinks Money : address to XXXX XXXX using my address. There is a prepaid Mastercard attached and on the direct deposit form has a routing and acct number and the bank is XXXX XXXX  XXXX XXXX XXXX Routing # XXXX XXXX # XXXX XXXX ) NETSPEND : addressed to XXXX XXXX using my address. There is a debit card attached and on the direct deposit form is another routing and acct number. This bank is XXXX, XXXX XXXX Routing # XXXX XXXX # XXXX *I called our local Sheriffs office and was told to throw them away and ignore, but I believe this person is targeting my address to commit fraud Both of these letters come from the same address listed on top of these letters XXXX XXXX XXXX XXXX TX XXXX I don't know who to send these to for further investigation, and calling these banks would then give them my information which I believe to be risky

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 2022-07-19 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Trouble using the card — Problem with direct deposit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I was awarded money from XXXX that took over a year because issues with them and account created already after a year state of NJ helped me get XXXX for XXXX back dated with amount of XXXX. The card issue from bank of America never able to work or use called bank security questions when answer with my answer timed out I then as instructed went to bank of America with 2 forms id. Spoke with XXXX told XXXX was available. A new card would come in mail new card received and during activation I was then routed to live person after speaking with them I again was told new card frozen go back bank. After 5 times after the 2nd card my account still remained frozen and told contact sponsor. XXXX told me not them call bank multiple calls with bank of America to XXXX with no status change money never able access. Last check I received XXXX tax year with XXXX left and XX/XX/2021 was last payment. I'm still XXXX over a year outside not able get emergency housing or assistance because they see the amounts never able to access. Also state help XXXX not able to help with housing shelter. I've suffered loss of money pp ersonall items and XXXX heyh grately affected by this. Please help me the efforts from XXXX and now state legislature very emotionless with end of most calls sate I'm sorry and will pass this email on to higher ups. I not only. Read that issue from bank frozen accounts was fined by state and that a review for people effected and proven true money was set for claimed people over year I've slept outside XXXX by people in my community. I think fair my money plus XXXX suffer XXXX XXXX XXXX done

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 2022-07-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
The company is Synchrony Bank. I just had a mix of store cards and open loop cards across XXXX plus accounts, closed today. On the phone with them I wasnt given a reason. I have XXXX late payments, every single payment has been on time across all accounts. All accounts, save one, just received limit increases. If this is an algorithm, then why give an increase and then close the account? I have less than XXXX XXXX dollars combined I just put on a few cards, so its not a utilization or payment history issue. Ultimately, I would love to have the accounts reinstated at their current limits, with no more company interference on these accounts until an actual issue arises. Paying off the accounts should not be penalized by closing the accounts, especially after receiving increases across the board. I am good enough for an increase with high limits but not good enough to keep the accounts??? This has happened to several people, good and poor Credit scores alike, high and low limits alike and is a very predatory tactic, poor algorithm logic and not a single person to actually check the computer on its logic is insanity. The only reason there is a arbitration clause in their contract is to protect them from a class action lawsuit they would most certainly get if otherwise.

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