vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: GA

Complaint narrative:
I received an invitation from my Fifth Third XXXX account offering a XXXX percent balance transfer for 18 months. I applied for the balance transfer online and at the end of the application received a message stating I would be informed if the balance transfer was approved. I did not receive any notice that my balance transfer had been approved but a month later I went online to download my mortgage loan statement and saw that I had an outstanding balance on my XXXX account with a past due amount and a {$29.00} late charge ( XXXX statement ). I immediately paid the amount due and called the 800 number on the statement. I explained that I had not received any notice that the balance transfer had gone through and the Bank reversed the late charge. A few days later I called the 800 number again because there was an incorrect charge for {$2.00} ( interest on current purchases ) on my account. The {$2.00} charge was removed. On the XXXX statement there was an incorrect charge of {$1.00} ( minimum charge ) on my account. I called again and the charge was removed. On the XXXX statement there was a charge for {$100.00} for interest. I called the XXXX number again and was told that my zero percent interest had been cancelled because I was late with the first payment. For four months, my XXXX statement showed that I had a zero percent balance transfer and then it disappeared. 
I contacted the branch XXXX ( XXXX ) at the Fifth Third Bank at XXXX XXXX XXXX XXXX, XXXX GA, explained what had happened and was told that she would open an investigation. When I didnt hear back from her, I went to the Fifth Third branch manager at the XXXX XXXX XXXX XXXX XXXX XXXX GA location but all she did was call the 800 number I had previously called and had me talk to a supervisor who told me again that the zero percent interest offer had been cancelled because I was late with the first payment. The supervisor also told me that Fifth Third did not send notices of any kind regarding statements or due/past due amounts. I later found out that XXXX did not open an investigation on my behalf and she refused to return any of my phone calls. I ended up paying {$240.00} and {$100.00} that I shouldnt have had to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I called Experian for 6 days and spoke to 11 different people from the dispute department, and 2 supervisors. No one has been able to help me. I was given a ticket number and still no help. I am trying to TAKE off the security FREEZE/THAW from my account. I keep being told my address was removed from my account. Which I don't see how that is possible when I been living at my address for 8 years. I tried using the mobile app and nothing I been calling everyday and keep getting the run around from the Reps and Supervisor that my address have to be added. Then I'm being told they are unable to add my address and take off the FREEZE/THAW. The REP keep telling me there's a fraud alert on my account which is not true and my account do not have a thaw on it which is also not true. I know the difference and I should not have to call everyday to get someone that is incompetent and not understand XXXX well enough to assist me in removing the SECURITY FREEZE/THAW. I asked for the number to corporate no one had it. This is my last resort to getting help. All I want is my FREEZE/THAW removed PERMANANT off my account so I don't have to call Experian every again. My account has not been updated in a year and I had other items on my report that need to be updated and removed.

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 2022-09-30 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: OneMain Finance Corporation
State: TN

Complaint narrative:
Reached out and told them I did not want a loan nor have I applied for one. I saw they ran a credit check which hurt my score but I have not asked them to and its happen more than once and I need this to stop and my score to be fixed

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I submitted a dispute on XX/XX/XXXX with Equifax through the cfpb about the furnished accounts on my consumer report. 

equifax came back and said all the accounts that were disputed were verified as accurate and updated. 

the accounts are not verified and they are not accurate. 

I pulled all 3 credit reports again after my dispute results came back and accounts are still showing improper information amongst all bureaus. 

Please See the errors they are constantly reporting! I've attached proof of these errors as well Account Name : XXXX XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX Equifax shows a balance of {$950.00} XXXX shows a balance of {$850.00} Equifax shows the account being late beginning in XX/XX/XXXX XXXX shows the account being late beginning in XX/XX/XXXX It's obvious that the account has not been verified as Equifax stated and they are reporting info that's damaging me. I'm trying to buy a home and my well-being is at jeopardy There is apparent neglect going on because I've already asked them to verify and they did not Delete this Closed account immediately According to the FRCA The term " investigative consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 
They stated my account were verified but how is that possible if they did not do a proper investigation according to the law. Also every piece of information on these accounts are still not reporting 100 % Accurate. 
And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance. 
( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please. 
The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX XXXX XXXX personal XX/XX/2022 TransUnion TXXXX XXXX XXXX XXXX personal XX/XX/2022 TransUnion XXXX XXXX XXXX, personal XX/XX/2022 TransUnion XXXX XXXX XXXX XX/XX/2022 TransUnion XXXX XXXX XXXX Finance, personal XX/XX/2022 TransUnion XXXX XXXX XXXX  Finance, personal XX/XX/2022 TransUnion under 15 US Code 1681n ( b ) civil liability of a natural person Ive been violated. Also, we already involved and sent this letter to the Complaint portal for ( Consumer Financial Protection Bureau, State Attorney Generals Office, Better Business Bureau, and Federal Trade Commission )

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 2022-09-30 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
To whom it may concern, Commencing on or around XXXX XXXX, 2022, I fell victim to two multi-layered scam operations run by XXXX, which involved me making deposits for a total amount of XXXX from my BofA account through an intermediary named XXXX  to these fraudulent investment 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 2022-09-30 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Closing an account — Fees charged for closing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have two CD accounts in Citi Bank which I opened two years before ( Renewed on XX/XX/XXXX for another 1 year ). Currently it has balance of XXXX USD. Both these accounts are matured in XX/XX/XXXX and it is automatically renewed for another 1 year. As I needed money for some personal need, I decided to withdraw the money in the month of XX/XX/XXXX and I approached Citi Bank. But now they are telling me that I have to pay penalty for the closure of these CD accounts which is more than the double the amount of interest I got last full year. I am complaining about this because Citi Bank doesn't provide any option for the customers to stop automatically renewing the CD and customer has only one week time window to withdraw the money after maturity. If you miss this window, account automatically renewed for another 1 year and if you need to close the account, you have to pay the penalty.

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 2022-09-30 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: GOLDMAN SACHS BANK USA
State: NJ

Complaint narrative:
I have the GM Card, which is a part of Marcus by Goldman Sachs. My most recent invoice closed on XX/XX/22. My total balance was {$4900.00} with a payment due date of XX/XX/22. My total credit limit for this card is {$5000.00}. I proceeded to pay the entire balance ( {$4900.00} ) on my card via ACH from my XXXX XXXX XXXX account with an effective date of XX/XX/22. The payment applied that day and the current balance on the Marcus by Goldman Sachs account website reflected {$0.00}. In addition, my XXXX XXXXXXXX XXXX account website also reflected the dollars having exited that account on XX/XX/22, with my remaining available balance reflecting the absence of those dollars. The main issue I'm having is that when I look at the Marcus by Goldman Sachs website for my GM Card, it showed only {$77.00} of available credit, even though I had a {$0.00} balance and a {$5000.00} credit limit. When I called Marcus by Goldman Sachs on XX/XX/22 aXXXX XXXX XXXX  EST, I spoke to a customer service representative by the name of XXXX, followed by her supervisor, XXXX. They both said it would take 7 days for my available credit to reflect that I had paid my bill. They said there was nothing they could do. I filed a complaint thru the supervisor XXXX and was promised a call back, and never received one. From personal experience, I have multiple credit cards, some of which have credit limits as high as {$40000.00}. Every single time I've paid a balance due, regardless how large or small the payment, the very next day my available credit reflects that fact. At no point was anyone at XXXX by Goldman Sachs able to explain why they're essentially taking a 7 day interest free loan and not reflecting an accurate available credit limit. In addition, upon reviewing their terms and conditions, there is no mention anywhere in the document regarding a lag in updating available credit after a payment is made. Had I known my available credit would not have been updated immediately, I would have never made the payment effective two days after the statement date. This seems like a travesty and a complete abuse of customers regardless whether the payments made were {$50.00} or {$5000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: MA

Complaint narrative:
Equifax has violated 15 USC 1681i ( a ) ( 7 ). Failure to complete reinvestigation request and response. This is in reference to CFPB complaint # XXXX but this is NOT a duplicate. Please see attached documentation as proof : Initial Investigation that was claimed " Verified '' Letter to Equifax Proof of received Letter

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
RE : You Violated the United States Code Law 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer.

After pulling a copy of my Consumer credit report I noticed that your agency is in multiple violations and Im entitled to monetary compensation under FCRA 15 U.S. Code 1681s2 - 15 U.S.C. 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ) FURNISHING reports in connection with credit or insurance transactions that are not initiated by consumer ( Inquires ) - ( 1 ) In general A consumer reporting agency may furnish a consumer report relating to any consumer pursuant to subparagraph ( A ) or ( C ) of subsection ( a ) ( 3 ) in connection with any credit or insurance transaction that is not initiated by the consumer only if ( A ) the consumer authorizes the agency to provide such report to such person or ( B ) ( i ) the transaction consists of a firm offer of credit or insurance.

( 3 ) INFORMATION regarding inquiries Except as provided in section 1681g ( a ) ( 5 ) of this title, a consumer reporting agency shall not furnish to any person a record of inquiries in connection with a credit or insurance transaction that is not initiated by a consumer.

Under FCRA 15 U.S. Code 1681n ( b ) ( B ) in the case of liability of a natural person for obtaining a consumer report under false pretenses or knowingly without a permissible purpose, actual damages sustained by the consumer as a result of the failure or {$1000.00}, whichever is greater ( 2 ) such number of punitive damages as the court may allow.

I did not initiate any of these inquires furthermore if you feel like I did please send me copies of my written signature giving consent to this matter please.

The items below should all be removed from my consumer report under 15 US Code 1681 ( c ) ( 1 ) ( A ) ( B ) ( i ) ( 3 ). 
XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 XXXX XXXX XXXX XXXXXXXX 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 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: NY

Complaint narrative:
I am noticing inaccurate information on my consumer credit report regarding XXXX Bank. Equifax is reporting the account as OPEN with a {$910.00} balance. In the remarks section Equifax is reporting XXXX disputes-reinvestigation in progress with 30-59 days late. I have not received any written notification of this investigation. 
XXXX is reporting XXXXXXXX XXXX as XXXX with a {$1000.00} balance. In the remarks section XXXX is reporting Canceled by credit grantor with 120-149 days late. 
XXXX is reporting XXXXXXXX XXXX XXXX XXXX  for {$1000.00} balance. In the remarks section XXXX is reporting Account closed at credit grantors request with 150 days past due. 
Consumer reporting agencies have a duty to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual while being fair and equitable to the consumer and shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: FL

Complaint narrative:
Under the Fair Credit Reporting Act, they 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 602 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 2022-09-30 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: GA

Complaint narrative:
I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end 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 2022-09-30 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 recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 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: LEXISNEXIS
State: GA

Complaint narrative:
I recently went over my credit report, and I noticed that there are payments that are being reported as late. In accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 602 states I have the right to privacy. 15 USC 1681 section 604a section 2 it also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b, a creditor may not treat a payment on a credit card account under an open end credit plan as late for any purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: DISCOVER BANK
State: NV

Complaint narrative:
accordance with the Fair Credit Reporting act XXXX Account XXXX, has violated my rights. 
5 U.S.C 1681 section 602 A. States I have the right to privacy.

5 U.S.C 1681 Section 604 A Section 2 : It also states a consumer porting agency can not furnish a account without my written structions 5 U.S.C 1666B : A creditor may not treat a payment on a credit card count under an open end consumer credit plan as late for any purpo

Company response to consumer: Closed with explanation