vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX  XXXX TX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT  # XXXX, XXXX 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 non-monetary relief
Consumer complaint received 2022-05-26 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX TX XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX XXXX XXXX XXXX ACCOUNT # XXXX, XXXX 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 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: NC

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 U.S.C 1681. 
XXXX XXXX account # XXXX, has violated my rights. 
XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX  XXXX account # XXXX, has violated my rights. 
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. 

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. 16815-2 ( 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 2022-05-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BAM Management US Holdings Inc.

Complaint narrative:
Hello my name is XXXX i`m from XXXX XXXX I think i was scammed on a XXXX crypto platform. I have meet a person from XXXX XXXX whos told me to invest in this new " meta '' crypto. She told me to buy XXXX on binance app and transfer it to another app who sells " meta ''. After buying i realised that i cant sell this new crypto and by this way i cant get my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: Experian Information Solutions Inc.
State: RI

Complaint narrative:
Experian has deliberately been ruining my good credit rating without just cause. A review of my Experian credit report shows that each other month Experian has lowered my Fico score without reason. I had a good credit rating with Experian and now I have a fair rating. All the other credit reporting agencies have me as either good or very good rating. There have been no changes in a few years that would give justification to perpetually decrease my rating e.g. no past due accts in several years, no inquiries hard or soft exceeding the allowed amount, no late payments, no excessive credit use. I called them and made inquiry as to why they are doing this to me and they had me speak with a dept that does the scoring and as a result of that call I was left with no answers and was told they don't know why. As a result of the actions taken by Experian a couple of my creditors have lowered my limit and/or have cancelled my account with them.

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 2022-05-26 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: KY

Complaint narrative:
equifax annual credit report & myequifax have been down, unable to access my personal credit file for 3 days. I am sure equifax has sold thousands of credit reports for mortgages and auto loans the past 3 days, but I can not access my credit? 

plus the cfpb allows equifax to continue to not address and settle the 2017 data breach? 
how long will this be legally allowed to continue? its been 5 years since my data was stolen and still nothing has been done about it? 

and they don't even publish a phone number to call?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2022-05-26 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 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: NC

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 U.S.C 1681. 
XXXX XXXX account # XXXX, has violated my rights. 
XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX  XXXX account # XXXX, has violated my rights. 
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.

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. 16815-2 ( 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 2022-05-26 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: NC

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 U.S.C 1681. 
XXXXXXXX XXXX account # XXXX, has violated my rights. 
XXXX XXXX XXXX account # XXXX, has violated my rights. 
XXXX  XXXX account # XXXX, has violated my rights. 
XXXX XXXXXXXX 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.

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. 16815-2 ( 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 2022-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/2022 I woke up to find charges that were made overnight on my Synchrony Bank Amazon store card. The purchases were made at approximately XXXX while I was asleep. I was able to successfully cancel one of the items as it was a physical item, but the other item had already been redeemed because it was for an amazon gift card for one-hundred dollars. I was told by amazon customer service that I need to deal directly with the card issuer, so I called Synchrony Bank. I was told I would receive a letter in the mail within seven to ten business days which I did and then another letter in thirty days after the case was received and resolved, which was never received. The issue was resolved, and I was issued a credit for the fraudulent charge. After getting off the phone with the bank I checked all my devices for any malicious activity as I noticed I had not received any login attempts, Having a XXXX XXXX XXXX i knew that meant that if something did happen it came from either someone on my network or a device in my house. I found malware on two devices in my home and called the bank back right away. I provided them with this information and that was the last I heard from them. Sixty days later I notice a balance transfer for the amount that I was credited for the fraudulent charge pending on my account. I called synchrony back, was connected to the investigation department and was told, by the same person, two different reasons why the claim was reversed. The first reason was that the merchandise was delivered to my house. I told the associate on the phone that this wasnt possible as the purchase made was for a digital item. He then told me that it was because the purchase was made from an IP address that I had made purchases from in the past. When I reiterated the context of my previous phone call, he said there was no note of the second call. He said he would reopen the claim, I would receive another letter in seven to ten business days with another resolution within thirty days. Within hours a received digital letter back saying that the fraud team has investigated my claim and it was denied. I have attached the letter below.

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 2022-05-26 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
I have had a personal and business account with Chase, and the account is held at the branch in XXXXXXXX XXXX, where I used to live. It includes a safe deposit box as part of the original arrangement, and has been free of charge for many years. I moved to XXXX in XXXX, and recently received notice on a periodic statement that the safe deposit box will now incur a rental fee effective XX/XX/XXXX. I do not have any contents in the safe deposit box and have never used it, so I went to my local Chase branch in XXXX XXXX ( or XXXXXXXX XXXX XXXX to request the safe deposit box be closed, so as not to incur any unnecessary rental fee. The XXXXXXXX XXXX XXXXXXXX will not close the box unless I am there in person, requiring me to fly up to XXXX XXXX nor will they permit a designee of my choosing who lives in XXXX to do so in my name. So I will incur airfare and possibly hotel fees just to close an account I have never even used. I can not see how this is anything less than an Unfair practice under the XXXX provisions of XXXX. Please help bring me fair and equitable resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: AL

Complaint narrative:
I deposited a check on a weekend and received a confirmation email. This is my first time depositing a check in this account and using mobile deposit. The following business day, Monday, I could not access or see my checking account. Tuesday I received an email stating that my account has been locked. The number I was given to correct the issue was the wrong number. I was put on hold and transferred several times and hung up on. Finally I was transferred to I.T and was told I had to link my debit and credit card account to view, even though I didnt have to do that before and did not want to link accounts. Once my accounts were linked I found out that my money would be released to me in increments even though I had more than triple the amount of the check in my account.

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 2022-05-26 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Charged fees or interest you didn't expect — 
Company: Paycheck Solutions llc
State: TX

Complaint narrative:
NOTICE OF WAGE WITHHOLDING Hello XXXX, We process wage garnishment orders on behalf of your employer, XXXX XXXXXXXX XXXX XXXX 
We received a Writ of Garnishment order on XX/XX/2022, which requires your employer to deduct wages from your pay. These deductions may begin within the next one or two pay periods. 
Want to view a copy of this order? 
Click here Link will expire on XX/XX/2022 On a {$300.00} dollar loan they are charging 699.04 % which what they are saying I need to payback {$1300.00}. That is outrageous. I know the loan has to be paid back but not at that rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-26 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: GOLDMAN SACHS BANK USA
State: NY

Complaint narrative:
I was in AXXXX due to XXXX XXXX in the Summer of XXXX. XXXX and XXXX to be exact and I have an Apple Card. During my stay in the hospital I had a XXXX dollar balance on my credit card. Apple charged me a service fee for XXXX dollars while I was in the hospital. Because I was in AXXXX there was a payment missed for their service charge. When I woke up and was released I was mortified. I have always paid my bills on time. I called Apple to tell them what happened. They refused to help me and have no damaged my credit so badly I can't qualify for a house at an affordable rate. They will not let me speak to a manager. I wrote to them and submitted all my hospital stays. They still refused to help me. They also verified the late with the bureaus. please help. I'm a XXXX year old man.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-26 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:
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 consumer reporting agency can not furnish an account without my written consent and instructions XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2022-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: ARVEST BANK GROUP, INC.
State: NY

Complaint narrative:
Arvest Bank is literally aiding and abetting theft of services, larceny by trick, and other torts/crimes by their account holder in their credit card charge back number XXXX. We have literally supplied signed law firm retainer agreement, itemized billing invoices, emails back and forth, legal work product, and other evidence of the authorized credit card charge by this thieving client who still owes us money under a quantum meruit theory, but this XXXX bank still holds on to a {$300.00} consultation fee now going on 6 months. This is both unreasonable, unethical, as well as illegal. Please legally and equitably punish this bank for tormenting us in this manner.

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 2022-05-26 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
On XX/XX/22 I did a balance transfer on my XXXX XXXX for the amount of {$860.00}. I transferred the balance from my Citi card to my XXXX card. The Trace ID for the transaction is XXXX XXXX XXXX XXXX and was completed on XX/XX/22 and then sent electronically to Citi on XX/XX/22. I followed up with Citi multiple times via phone and did not receive an answer. I opened a case with Citi on XX/XX/22 by calling them and on XX/XX/22 I received an e-mail stating the case had been opened and was being worked on, but they did not start working on the case until XX/XX/22, where I received a conditional partial credit to my account. It is now currently XX/XX/22 and it has been over 2 months since I initiated the balance transfer and since Citi did not credit me for the balance transfer, I had to pay the full balance of {$860.00} or else I would have to either incur late fees or interest payments. 
After calling Citi today XX/XX/22, they have not completed any action when I called them requesting an update nor did I receive an answer on when my case would be complete. They said it would

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 2022-05-26 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: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
This isnt me the is fraud on my account

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 2022-05-26 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: I.C. System, Inc.
State: FL

Complaint narrative:
This isnt me the is fraud on my account

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