vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-07 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Application denied
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/2023 applied for a Synchrony Bank issued TJX Rewards Credit Card in the Home Goods XXXX, New Hampshire store. I provided my full information on the application and my credit was pulled by Synchrony Bank ( noted on report as SYNCB/TJXDC ) on XX/XX/2023. The application was denied, however, to date, no adverse action notice has been received from the bank as I was instructed by the company I would receive in the form of a letter. Therefore, I have no information on how to contact the bank to understand the denial of credit nor can I understand the nature of the decline of the application. However, my credit score has dropped XXXX points as a result of the credit inquiry with no positive result for this consumer. I believe both ECOA and FCRA call for an adverse action notice be sent to consumers within 30 days of application.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
ACCORDING TO 15 USC 1681I - EXPERIAN, XXXX, AND XXXX HAVE 30 DAYS TO INVESTIGATE AND SEND ME THE RESULTS. 

In accordance with the Fair Credit Reporting act. These accounts violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 




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

15 U.S.C 1681 section 604 A Section 2 : It also states a consumer reporting agency can not furnish 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 of 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 2024-02-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
XXXX Original complaint about this filed on XX/XX/XXXX On XX/XX/XXXX I was notified by Venmo that there was a dispute with a payment I received and they were taking the funds back. I didn't have the funds in Venmo to cover the amount removed so I transferred the money back to Venmo immediately. I argued the dispute and the person that started the dispute canceled it altogether and her bank issued a letter on XX/XX/XXXX that the dispute had been dropped and the funds would be deducted back from her account. On XX/XX/XXXX, the funds were deducted from her account and returned to Venmo. I have attached documentation showing both of the claims. I had no idea she had canceled the dispute, so I was still waiting 75 days to hear what happened. I was contacted by the person who started the dispute on XX/XX/XXXX and was told that she had canceled the dispute and that I should have the monies owed to me. She provided the same proof I have attached for you to review. Venmo has had these funds since XX/XX/XXXX. I presented them the same attachments I provided you, and they still have not refunded me the money due to me ( {$1800.00} ), and I need it. 

I was contacted today, XX/XX/XXXX, by the sender, and they have never received the funds, and neither have I. They again provided proof from their bank that the funds were returned to Venmo after the sender canceled the dispute. The funds legally belong to me and should be sent to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I had a CD opened with Citibank which matured in XXXX and I closed it on XX/XX/2023 and asked Citibank to issue me the check. Till date Citibank has refused to issue me the check even after multiple reminders. I have called numerous ( atleast 8 times ) times and also send them letters requesting them to repatriate my money, however they keep telling me that they will look into the issue without doing anything about it. Also, their customer support gives me conflicting information- on some day they would say that the check would be issued via overnight courier, and on other days they would tell me that there is a problem in their backend system. The outcome would remain the same and no check would ever get issued by 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 monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit 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 explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Rocket Mortgage, LLC
State: FL

Complaint narrative:
XXXX Loan with Rocket Mtg in XXXX. is a FHA Loan. Every year they raise my mortgage XXXX dollars a month. The mortgage started at XXXX and now its at {$2500.00}. 

They refuse to give me credit for the fact that my house is worth almost 2 times what I owe and get rid of the MIP. 

The taxes for the property only increased about XXXX dollars, yet they are increasing my housing mortgage payments from XXXX to XXXX a month. The insurance is paid in XXXX not XXXX. They are pocketing all this money and refuse to assist with anything and bill late payments up the gazoo if you are late. 

This is not fair. We work hard to obtain our property and these banks are making it more and more difficult to keep a roof over our head. The bank should remove the MIP to make my mtg payment maneageable as I am XXXX and soon to be retiring and will not be able to continue wit hall these increases where the financial institution takes advantage of the Citizen to force them into foreclosure or to sell the home. This is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: FL

Complaint narrative:
On XX/XX/2024 I attempted several times to deposit checks via the mobile system for Navy Federal Credit Union and for many multiple reasons the checks was declined. First for not being properly endorsed stating mobile deposit only for NFCU. I did so and deposited the checks once again on XX/XX/2024, the deposits were again denied and this time for unacceptable item When I became aware of the last denial, I reached out to the Navy Federal Credit Union was told to deposit the checks through the ATM, which I did. After the hold time and the deposits still had not posted, I called the NFCU after the wait period and still nothing posted to my accontacted the Navy Federal Credit I was told that the issuing bank would not clear the funds, the next day I made contact and was told the checks had not cleared due to fraud. I contacted my lawyers office to verify if the checks had been cashed and they had been and copies of those cashed checks were forwarded to me via text. I reached out to the Navy Federal Credit Union and was told that the federal reserve were not releasing the fund due to the federal reserve. No, one would assist me, but instead transferred me to security where I remained on hold for over two hours. The checks were for the amounts of : {$2800.00} and XXXX. Deposited on XX/XX/XXXX. The checks posted on XX/XX/2024. The numbers on the check for {$2800.00} from what I can make out are : XXXX and XXXX or XXXX. Check for XXXX XXXX and XXXX XXXX or XXXX. There is also a number in the right hand corner of this check, XXXX. Check for the amount of {$2800.00} number on top right corner, XXXX appears to be a XXXX. After waiting for over two hours on hold the representative could tell me no more than anyone else, she too passed the buck and informed me that the investigator was not available and she didnt know when she would be, but that I would just need to continue to call back. I have made approximately six to seven calls on this matter with still no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: UT

Complaint narrative:
Hello, please see documents attached for more details. I hope you can help me.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, XX/XX/scrub>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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
These people took my credit down XXXX points and claimed that I had a payment that was more than 30 days late which is a lie. I have proof and bank statements from my bank that I paid two times in XXXX and the account is fully paid off. I did a dispute and nothing changed! And Ill provide the proof of my bank statements under firefighters credit union. This happened beginning of 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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from 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 non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I'm deeply troubled by the presence of this late payment on my account, as I've consistently made on-time payments. It's causing me significant distress, and I urgently request that you rectify this error by removing it from 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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
there are inconsistency on my credit report about the date amount and addresses I did not authorize them to any report information to credit bureaus Please reinvestigate this matter and contact the nationwide credit bureaus to have them delete 028A. Aggravated identity theft ( a ) OFFENSES. 
( 1 ) IN GENERAL.Whoever, during and in relation to any felony violation enumerated in subsection ( c ), knowingly transfers, possesses, or uses, without lawful authority, a means of identification of another person shall, in addition to the punishment provided for such felony, be sentenced to a term of imprisonment of 2 years.

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 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: TN

Complaint narrative:
I have reviewed my credit report and noticed incorrect information and inaccurate accounts. I have sent out numerous disputes to remove this inaccurate information and accounts on my credit report. Please remove this inaccurate information and accounts that can not be verified. Here are the following date disputes was sent, 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 2024-02-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
{$8500.00} from checking 2 months ago will not give me money back and ruined my life, citibank

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 2024-02-07 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: Betterment LLC
State: KY

Complaint narrative:
I was having a XXXX IRA account in Betterment.com and when I open this account there was no fees for Closing or transfer the account to another company. Now I transfer my account to XX/XX/2024 XXXX XXXX 
during the time of transfer the Betterment.com Charge me {$75.00} I asked to refund on the basis of the term I opened the account but they denied to refund my {$75.00}. 
when I opened there was no fees it was advertised and written on website its free open and Closing or Transfer whenever the customer want to. I need your help and intervention please resolve this matter because its not Transparent and legitimate professional business by the Betterment.com. This Betterment investment company need to refund my money because they introduce this after I open the account and there was no information for me by mail or any communication by betterment.com I am hoping for a transparent and professional solution of this matter. 
Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting 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:
This is a formal complaint against Equifax who is consciously and voluntarily reporting false information on my credit report. 
I contacted Equifax 's customer support to inquire about unauthorized inquires on my credit report. During the conversation, I provided the Equifax representative with the official government-document Federal Trade Commission XXXX FTC ) report, which I had obtained regarding my credit history. 

To my surprise and concern, the Equifax representative claimed that the FTC report I presented was not a valid document. It is my understanding that the FTC is a federal agency entrusted with protecting consumers and maintaining fair and competitive business practices. As such, I question the authority Equifax has to dismiss an official government-provided document as invalid. This disregard for an authoritative government resource raises serious concerns about the accuracy and integrity of Equifax 's credit reporting practices as well as their knowledge and adherence to consumer rights and regulations. 

I believe that Equifax 's statement regarding the invalidity of the FTC report is not only misleading but also undermines the credibility of consumer rights established by the government. The actions of Equifax 's representative demonstrate a lack of professionalism and potentially highlight a systemic issue within the organization. 

Therefore, I kindly request the Consumer Financial Protection Bureau ( CFPB ) to investigate this matter thoroughly. I urge you to hold Equifax accountable for its representation of the FTC report as invalid and determine the level of authority Equifax has to make such claims. Furthermore, I expect appropriate corrective actions to be taken to ensure that Equifax operates within the confines of consumer protection regulations and respects official government documents provided by consumers. 

Please find enclosed copies of the correspondence with the Equifax representative, including the FTC report in question, to support my complaint.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I did not initiate these inquiries and suspect them to be fraudulent. I request a thorough investigation and their prompt removal from my credit report. I have provided supporting documents for your review.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX I am a victim of identify theft. Enclosed is a copy of my credit report with the fraudulent items circled. I did not open these accounts or receive these loans. 

Loans or accounts I did not open : 1. ) XXXX # XXXX 2. ) XXXX  XXXX # XXXX 3. ) XXXX XXXX XXXX # XXXX 4. ) XXXX # XXXX 5. ) XXXX XXXX XXXX XXXX # XXXX 5. ) XXXX XXXX # XXXX 6. ) XXXX XXXX # XXXX INQUIRIES 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX 3. ) XXXX 4. ) XXXX XXXX XXXX 5. ) XXXX XXXX XXXX XXXX XXXX is reporting an address Ive never lived at with incorrect information including phone # s etc. ( proof provided ) Enclosed are copies of documents [ List all the documents you have to support your case, such as police report, ID Theft Affidavit, et... ] concerning the unauthorized use of my identity. I am requesting that you remove this information from my credit report as soon as possible and send me an updated report. 
Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MI, XXXX I am a victim of identify theft. Enclosed is a copy of my credit report with the fraudulent items circled. I did not open these accounts or receive these loans. 

Loans or accounts I did not open : 1. ) XXXX # XXXX 2. ) XXXX  XXXX # XXXX 3. ) XXXX XXXX XXXX # XXXX 4. ) XXXX # XXXX 5. ) XXXX XXXX XXXX XXXX # XXXX 5. ) XXXX XXXX # XXXX 6. ) XXXX XXXX # XXXX INQUIRIES 1. ) XXXX XXXX XXXX 2. ) XXXX XXXX 3. ) XXXX 4. ) XXXX XXXX XXXX 5. ) XXXX XXXX XXXX XXXX XXXX is reporting an address Ive never lived at with incorrect information including phone # s etc. ( proof provided ) Enclosed are copies of documents [ List all the documents you have to support your case, such as police report, ID Theft Affidavit, et... ] concerning the unauthorized use of my identity. I am requesting that you remove this information from my credit report as soon as possible and send me an updated report. 
Thank you.

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