vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
To whom it may concern : I have a Best Buy Credit Card. I make my payments on time, no payments have been declined from my bank, and never had a late payment. However, Best Buy continues to hold my payments affecting my available credit. I reached out ( Beginning and middle of XXXX ) and they state because of the abnormal amount of the payments. That is not true. I make payments that range from {$1000.00} to {$3000.00} usually weekly or every other week. They said they took care of it, but they continue to hold my payments without any valid reason. They said they freed up the funds, but had to hold the payment to make sure everything is okay. I believe this is unethical. They have no grounds to hold my payments each time a payment is made. Hence... this is unethical! I use this card to grocery shop, gas purchases, pay bills, and other purchases. Holding my payment limits my ability to pay with my card. And ... There is no reason for this action! They stated that I need to call each time I think the payment is being held so they can call my bank to confirm the funds. However, I do not have time to do this with every payment. 

To further validate this concern, I stopped using it to show that even though no purchases were being done, the available credit was not changing despite the numerous payments. 
I stopped making purchases to show that there were no pending charges yet the payments were not being applied to my available credit. AGAIN..No late payments, No bank declined payments, No derogatory actions to result in holding my payments. 

In addition, I did XXXX price matches and they state that I will be refunded my rewards ( {$50.00} & {$40.00} ), but after several weeks, XXXX chat messages, and XXXX phone call - nothing has reflected. Again, if I had paid with my credit card, the refund would have gone here, but they have not refunded the rewards I paid with. These were earned with purchases. 

Please address both of these because, despite my efforts with several phone calls and chats, nothing is being done. 

The last representative said she is filing a complaint to get this resolved.

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 2022-07-16 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: TX

Complaint narrative:
I requested copy of permissible permission use to access my credit report in XX/XX/2017 by XXXX and Experian. XXXX ignores by labeling everything duplicate complaints and a consumer can not reply. XXXX attorney 's have learned a game in order to avoid liability. Experian repeatedly replies " At your request to conduct a reinvestigation, we contacted the data furnisher and asked them to verify the accuracy of the information with which you disagree. They responded and verified that the disputed information was accurate as reported. '' So XXXX & Experian 's childish attorneys deny deny deny and run from liability by smoke and mirrors. Experian & XXXX are cheat 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 explanation
Consumer complaint received 2022-07-16 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXXXXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX Account # 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 2022-07-16 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: SC

Complaint narrative:
I went to a car dealership to apply for a car they told me they were only going to run my credit through one lender, which was XXXX XXXX and ran my credit through a whole bunch of lenders without my consent I don't even know who these lenders are on my credit report and don't have any account with them. The lenders that I have no idea who they are that are listed on my credit report are, XXXX XXXX XXXX XXXX this one is actually listed 3 times like why? I dont know its like they ran it with them back to back to back. Another one is 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 ( 2 ) XXXX XXXX  ( 2 ) XXXX XXXX XXXX XXXX XXXX XXXX ( 3 ) XXXX XXXX  ( 3 ) 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 non-monetary relief
Consumer complaint received 2022-07-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Freedom Mortgage Company
State: OH

Complaint narrative:
I received a partial claim and the amount of XXXX XXXX is not adding up they also mixed my file up with another client also they have been reporting me late even tho I am in the haf program

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 2022-07-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Amex emailed me ( Amex Offers ) re a XXXX promotion ( spend {$200.00} by XX/XX/22 and receive {$80.00} back ). I tried to enroll directly from the email ( E.g., click to add offer to card ) and it took me to a different offer for XXXX hotels. I made four phone calls to Amex who gave me the run around before deciding to inform me that the offer was closed ( despite the terms ) and that I was not eligible due to the offer hitting a cap of XXXX enrolleesa limitation not disclosed in the terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: ID

Complaint narrative:
I have attempted to close my accounts with Bank of America at least a half dozen times since XXXX. I originally tried to close the accounts in XXXX, but this bank refuses to close them. Since that time I have received an update every few months that they have enrolled me for a new credit card, or they are sending me a new debit card. Each time, I have called them, waded through their abysmal excuse for an automated system, sat on hold for an hour plus, been passed from department to department until finally reaching someone who assures me that my accounts are closed. I am tired of the lies and terrible customer service from this bank.

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 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have submitted several letters to Experian Credit Bureau to update my personal information to only 1 name,1 address because I don't want to be a victim of identity theft. I explain in my letters having those addresses listed on my report is opening me to be victim of someone filling out a credit card application or loan in my name and subjecting me to go into debt without my knowledge. I have sent countless letters and copies of my drivers license and utility bills to prove my current address, but nothing is being 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 2022-07-16 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: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
My name is XXXX XXXX XXXX, and I am writing on my own behalf to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not authorize any of the following charges/inquiries. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission, and I also have enclosed copies of the Federal Trade Commission 's identity theft affidavit. I request for the items listed in this report to be removed as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account no XXXX XXXX  XXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX Account no : XXXX have 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 2022-07-16 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: GA

Complaint narrative:
This complaint is about inaccurate reporting that I have disputed on several occasions and it hasn't been resolved. 

The company has been reporting the Date of last activity incorrect on my credit report. Its been over 60 days and no still hasn't resolved this issue which to my concern that it should be corrected or deleted. 

This complaint is for TransUnion. I gave this company so many chances and now I want to seek damages for financial injury. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I demand {$1000.00} per violation on my credit report OR delete the negative account and any other inaccurate negative information on my credit profile.

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 2022-07-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: DISCOVER BANK
State: IL

Complaint narrative:
I received a paper check instead of a direct deposit on XX/XX/XXXX due to me temporarily switching to another bank account. When I attempted to deposit my paycheck that is drawn on the same bank that has ACHed into this account before into my Discover Bank account, I was told {$250.00} of my paycheck would be available immediately with the rest to clear on the XXXX. Today, on the XXXX, I expected to have that {$250.00} available to me. I checked and none of my paycheck has been made available. After speaking with 4 different representatives and XXXX supervisors, I find out that the entire paycheck is being held until the XXXX due to " Risk attributes indicate potential for the check to be returned unpaid. '' Discover Bank refuses to do anything about this and can provide me no explanation as to why these funds in particular are being held. They told me that if my account were at the 90 day mark, they could contact the bank that my paycheck is drawn on, but since I opened this account XX/XX/XXXX, they refuse to do anything about it. I need this money to live. I literally don't have money other than this to eat, to pay bills, to get gas, to literally survive.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: EQUIFAX, INC.
State: GA

Complaint narrative:
This complaint is about inaccurate reporting that I have disputed on several occasions and it hasn't been resolved. 

The company has been manipulating the statue of limitation and reporting XXXX  every single month on my credit report. 

Its been over 60 days and no still hasn't resolved this issue which to my concern that it should be corrected or deleted. 

This complaint is for Equifax Information Services LLC. 

I gave this company so many chances and now I want to seek damages for financial injury. 

According to 15 USC 1681n ( a ) ( 1 ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; I demand {$1000.00} per violation on my credit report OR delete the negative account and any other inaccurate negative information on my credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I can't remove a credit freeze on my Equifax account. I needed to apply for a new credit card but the application got blocked by Equifax. I went online multiple times over the course of the last several months, the most recent time being today XX/XX/2022, and it still shows the message stating that " We are temporarily unable to retrieve the status of your security freeze. Please try again later. '' even though I have waited months for this " temporary '' issue to resolve. I also tried calling multiple times and their automated system wouldn't verify me to allow me to speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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:
I have contacted EXPERIAN via phone and mail several times about the account mentioned in the attached letter below. EXPERIAN has received notarized affidavits from me and letters making them aware of the damages that their false and inaccurate reporting has caused me. Yet they continue to report these accounts. 

Under 15 US Code 1681b - Permissable purposes, they need my written consent before reporting anything on my credit report. My written consent was not given. This is aggravated identity theft. I have not been able to extend credit or qualify for loans because of this erroneous reporting ACCOUNT : 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 2022-07-16 00:00:00
Product: Student loan — Federal student loan servicing
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: Maximus Federal Services, Inc.
State: SC

Complaint narrative:
On XX/XX/2022 i sent a letter to XXXX in reference of student loans Promissory Note. I requested for a copy of the sign note to validate the debt.. I waited 30 days. I sent the letters out certified mail. 
On XXXX XXXX I decided to submit another letter since I have received my request from XXXX. I requested for the same information and as a consumer under the 312 FCRA transaction right to have information I requested. I have received any paperwork from XXXX pertaining to the Promissory Note. 
Here I am on XXXX XXXX, I submitted another letter for the same request. As of this day XXXX never responded to my requestor responded at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-16 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: SYNCHRONY FINANCIAL
State: MI

Complaint narrative:
I've had covid XXXX times. I've lost my income. I've been struggling to make my cc payments. I have my cc set on Auto-Pay for the minimum balances in an effort to maintain the credit agreement I entered into with the creditor. 
I checked on my account and saw that my credit limit was decreased. No problem, I continued to pay and even made a {$100.00} payment to bring my balance down a little bit. 

When I checked my account today, I see that I've still been on auto-pay with the amount determined by the cc company BUT my balance never goes down! It's still increasing! they are charging me more interest and never adjusted the monthly payment to impact it! 

I called them today and asked them about it and the agent explained to me " how interest works. '' I told her that I understood how interest works and that wasn't my question. My question was why didn't the minimum payment adjust so that my account would be 'correct ' and my balance go down and not up? She hung up on me. 

I called back and spoke with an agent named " XXXX '' and he also wanted to explain interest to me. I let him and then asked my question again. He told me " you just need to pay the balance off or make a big payment if you don't want more interest ''. Again, I understand how interest works. but I lost my income and am unable to just make a large payment. AND the cc lender is not doing their part correctly. They are making the minimum required payment so low that it never impacts the balance to go lower. This HAS to be illegal!

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 2022-07-16 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX account no XXXX XXXX XXXXXXXX XXXX Account No : XXXX XXXX XXXX XXXX XXXX Account no : XXXX have 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 2022-07-16 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX account no XXXX XXXX XXXX XXXXXXXX Account No : XXXX XXXX XXXX XXXX XXXX Account no : XXXX have 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
Consumer complaint received 2022-07-16 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EVERBANK, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
I signed a copier lease as the owner of my previous company, XXXX XXXX XXXX financial and insurance services with TIAA. I closed my company on XX/XX/2021 in the midst of the corona virus crisis. While there were still lease payments remaining on the lease, TIAA abandoned the property. I offered to return the copier to them and to return the unused cartridges. TIAA refused saying that my copier was too old and told me to simply throw away the copier and cartridges which I did. Now, over 1 year later, they have turned me over to a collection agency and told me to deal with them on the remaining lease payments. I have closed my business and there are no assets remaining in the business. The lease contract was in the name of my business and not in my name personally. Yet, they are trying to collect a debt that is not owed by me and for property that they abandoned.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-16 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  account numbers XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 604 A states I have the right to privacy 15 U.S.C 1681 section 604 A section 2, also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation