vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: SYNCHRONY FINANCIAL
State: IL

Complaint narrative:
On XX/XX/2021, I was in the process of moving from XXXX to XXXX. While driving a truck cross country, my credit card was frozen. I can only assume it was because I made purchases in multiple states. 

When I arrived at my destination and settled into my apartment, I called the credit card managing company, Synchrony Bank. In the past, I have been asked to confirm recent purchases or answer questions about myself when there is suspected fraud. 

I was shocked, to say the least, when I was told that the only way to have my card unfrozen was to take a video of myself and send it into the company to have a biometrics test run on it. 

I explained that this made me very uneasy, that this is the sort of practice that is conducted in XXXX. I was then told that the only other way to regain access to my card was to wait seven to ten business days for a letter with a code. 

Ten business days pass and I call again. I am again told that I should make a video of myself for them if I want my card unfrozen. I again explained to them that this sounded like something out of a dystopian movie, that I don't want to send a video of myself to someone I do not know, much less a multinational corporation. 

Without any recourse, I was forced to wait. I finally received my letter on XX/XX/2021. Instead of a code however, the letter instructed me to send proof of my identity in the form of a utility bill, lease, or bank statement. I was not given an email address so that I could scan and send it in quickly, but the address of a XXXX XXXX XXXX in the middle of the holiday season. 

I do not want to live in a country where financial institutions can pressure and even force their customers to submit videos of themselves, directed according to their instruction. I am lucky, in that I had another source of funds and could pay off my credit card. But most others can not. Please do something about this.

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 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: Expert Credit Sweeps
State: MD

Complaint narrative:
This is a follow up to XXXX, which was closed by the CFPB but I have not received any further correspondence from other agencies nor the business in question. 

I enrolled in this company 's services in XX/XX/XXXX hoping to get ( what I thought was ) some financial assistance from one of the " best '' credit repair companies out there. Initially everything was going good, there was constant communication. I was paying {$130.00} a month + {$29.00} for credit monitoring. After 4 months of service ( XX/XX/XXXX ), I hadn't gotten any updates from Expert Credit Sweeps/XXXX XXXX, nor responses from creditors. So I reached out to XXXX about an update and only received an automated responses back each time. I understand that she had been making updates and transitioning within her company so I waited 1 more month. In XX/XX/XXXX I contacted her again for an update on the process that she has been taking since the updated policies were implemented. I made the title Cancellation Request to get her attention and 5 days later she finally responded by cancelling the service. She never contacted me to have dialogue, which is what I expected. I feel like I wasted 6 months of dollars all because the company 's communication is non-existent. I want my money back ASAP! 

I have attached screenshots with correspondence and automated responses that I received back. 

Contact info : Expert Credit Sweeps XXXX XXXX XXXX XXXX XXXX Phone XXXX XXXX also named XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I attempted to open an account online for the XXXX XXXX XXXX XXXX  on XX/XX/XXXX. I spoke to a CSR and was told that I did not open the correct account even though I followed the Offer instructions but that the account could be corrected on XX/XX/XXXX. I called back on XX/XX/XXXX and was told by a CSR that I could not participate in the offer. I still want to participate.

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 2021-12-21 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: OH

Complaint narrative:
i sent out a dispute/investigation letter the was signed for on XX/XX/2021 and have have not heard anything from the XXXX about the dispute. the dispute was for inaccurate reporting of dates on accounts. and inquires that i didn't authorize.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: OH

Complaint narrative:
i sent out a dispute/investigation letter the was signed for on XX/XX/2021 and have have not heard anything from the XXXX about the dispute. the dispute was for inaccurate reporting of dates on accounts. and inquires that i didn't authorize.

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 2021-12-21 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA

Complaint narrative:
This is on my credit report as of XX/XX/21 Remarks Dispute resolved consumer disagrees Payment Status Past due 30 days Ive never received any communication that this dispute has been resolved. 
Bank of America is reporting that my account has been delinquent during a dispute. 
I disputed this over 90 days ago and have received no communication that it has been resolved in my favor or not. This is breaking the law.

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 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: SC

Complaint narrative:
On my credit report it shows that I have an open account with XXXX. I never opened an account with them and when i filed an investigation they closed it and said nothing was fraudulently opened in my name.

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 2021-12-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XXXX, I noticed that there were several unauthorized charges on my Citibank account tipped off from a charge of {$25.00} for XXXX XXXX XXXX in New Jersey. I alerted Citibank and they credited my account and sent a new card. I received my new card yesterday and have been attempting to use my card to no avail. I called after XXXX eat to see what was going on only to be told that the fraud department has my account locked under review. I asked when it would be unlocked, I keep getting the same generic answer that they dont know. I was told to call back today XX/XX/2021 to speak to them where represent XXXX told me that there is nothing I can do but wait. I informed them that I have emergencies and need my funds and they caused several of my bills to reverse this weekend, she then said nothing she can do and began to talk over me and say there are other calls to take. I asked for a manager she then told me they will tell me the same thing and refused to transfer my call. Citibank is causing me great financial harm by locking me out and now I have no access to food in the week 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 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I submitted several disputes with XXXX, XXXX, and Transunion regarding XXXX XXXX Credit Card ( XXXX ). I entered into a payment agreement for {$59.00} a month. XXXX has not been reporting payments each month and continues to report the account LATE and Charged OFF. The company is furnishing inaccurate information and has violated several FCRA rules.

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 2021-12-21 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: MI

Complaint narrative:
I submitted several disputes with Equifax, XXXX, and XXXX regarding XXXX XXXX Credit Card ( XXXX ). I entered into a payment agreement for {$59.00} a month. XXXX has not been reporting payments each month and continues to report the account LATE and Charged OFF. The company is furnishing inaccurate information and has violated several FCRA rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: MARINER FINANCE, LLC
State: FL

Complaint narrative:
I originally attempted to change my due date upon recieving funds from this company. You can never get thru to a specific branch. I made a payment XXXX and funds were not attempted to be removed until the XXXX. Per my online bank payment was declined was not enough funds to cover it in my spending account. I moved money over from my savings to my checking immediately. I called the branch located closest to me talk to someone the gentleman confirmed there was not a decline of funds on their end. I asked would system try to recoup payment a XXXX time and he wasnt sure but didnt think so. Me scared of getting a past due fee and owing money for return fee I made a XXXX payment. I went in office logged into my password protected bank website showing both payments. I was later called asked for a statement. I was not able to give it because statements are drafted end of the month. They claimed they would work with me but they needed something with my name and the transactions. I spend money on things like normal people so I used my search bar to ensure transaction history showed the 3 payments I made thus far and even showing the day the funds were deposited. Since its the transaction history when I use the scroll bar to show other transactions it was not going to show my name. I am upset because its near XXXX and I said from day XXXX change the due date so its not so close to the first check of the month. These people are holding my funds if I get the statement in XXXX for XXXX the payment due the XXXX that will defeat the purpose of asking for it back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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: AZ

Complaint narrative:
I have contacted experian multiple times and they still are reporting fraudulent information i have contacted creditors in question and they all told me its experians errors XXXX and XXXX already fixed the problem and removed the fraudulent inquires and accounts XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX XXXX. 
{$1000.00} Balance updated XX/XX/XXXX XXXX XXXX Original creditor : XXXX XXXX XXXX {$1100.00} Balance updated XX/XX/XXXX XXXXXXXX XXXX XXXXXXXX Bank Credit Cards Inquiry date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX Personal Loan Companies Inquiry date : XX/XX/XXXX XXXX XXXX Bank Credit Cards Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX Credit Unions Inquiry XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Inquiry date XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX New Inquiry date : XXXX XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXnquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXXXXXX XXXX XXXX, Used Removal date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, Used Inquiry date : XXXX XXXX, XXXX XXXX XXXX  All Banks - non specific Inquiry date : 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 2021-12-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: TX

Complaint narrative:
I recently paid off two Comenity  store cards, XXXX & Victoria Secrets. I paid in full the account balances, one in XXXX and one in XXXX, leaving with a statement balance of zero. Today I decided to double-check my paid-off accounts and there was now a {$2.00} interest charge. I called both credit card account services and no one could explain to me WHAT BALANCE they were using to charge interest. Having had this happen with the same bank, Comenity and BOTH were paid off, it greatly concerned me. Being in later years, I am aware enough to double-check banks. I worry about the younger first-time cardholders, using Comenity, getting a serious DING to their credit report not being aware the Comenity charges interest on a ZREO balance card! Late payments could be serious! Both, XXXX and Victoria 's Secret Comenity credit cards EASILY and extremely willingly took the charge off and I am good. Just want to report the fuzzy math interest charges to help others.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Action Collection Agencies, Inc.
State: MA

Complaint narrative:
I received a bill from Action Collection Agency of XXXX in regards to a medical bill. I responded to their notice via letter and provided proof that I paid the facility directly for the services. I received another notice from them that did not answer any of my requests/questions in my first letter. I sent a second letter but did not receive another response in writing. Since that letter, I received numerous phone calls and voicemails from different numbers requesting me to call them ; the messages were all automated. I sent a third letter demanding them to not contact me via phone but to respond to my previous letters via writing with further proof. I have received further automated voicemails.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 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:
I am a victim of identity theft and I need help because my credit has really been affected. I have been asking for help and my lawyer told me to submit a complaint. I have completed the report and have attached my documents for proof of ID. I am deeply affected by the reporting of these accounts that don't belong to me. According to section 605 ( b ) of the FCRA, these accounts must be removed within 4 business days of receipt of this report. Failure to do so is a violation of my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I recently pulled my reports and noticed you are reporting the incorrect account name for this account ( XXXX DIST CT XXXX ) Because the account name being reported by your company and XXXX are different ( XXXX XXXX CT GA XXXX XXXX ) and XXXX is reporting a different name ( XXXX BANKRUPTCY COURT- XXXX ), this means the account has not been properly verified. Please delete this account immediately. 
Please remove ANY other information you are currently reporting as they are NOT accurate. Pursuant to Sec 602 ( a ) Accuracy and fairness of credit reporting 100 % accurate. Sec 602 ( b ) It is the purpose of this title to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this title.

Violations of this subchapter Sec 616 ( a ) ( 1 ) ( A ) Civil liability for willful noncompliance [ 15 U.S.C. 1681n ] Any person who willfully fails to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of {$1000.00} for each violation. Sec 616 ( b ) Civil liability for knowing noncompliance. Any person who obtains a consumer report from a consumer reporting agency under false pretenses or knowingly without a permissible purpose shall be liable to the consumer reporting agency for actual damages sustained by the consumer reporting agency or {$1000.00}, whichever is greater.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means TransUnion has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS FROM MY CREDIT REPORT : 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 ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXX  ( Original XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
This account was opened under an open ended credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. On my consumer report there are XXXXhree late payments listed, which is inaccurate and false because this account can not be late. Additionally, it contains a finance charge, which is the sum of ALL charges and that finance charge was paid with my credit card ( social security number ) upon their request for needing my credit card ( social security number ) to open the account, initially. Therefore, this account was paid in full and shall not contain a balance nor any late payments whatsoever.

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 2021-12-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
This account was opened under an open ended credit plan and according to the fair credit reporting act, A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose. On my consumer report there are three late payments listed, which is inaccurate and false because this account can not be late. Additionally, it contains a finance charge, which is the sum of ALL charges and that finance charge was paid with my credit card ( social security number ) upon their request for needing my credit card ( social security number ) to open the account, initially. Therefore, this account was paid in full and shall not contain a balance nor any late payments whatsoever.

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 2021-12-21 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Fraud or scam — 
Company: ENOVA INTERNATIONAL, INC.
State: AL

Complaint narrative:
Cashnetusa USA claims I took out loan. I did not someone used my info of address but not my bank account and now cashnetusa wants payment

Company response to consumer: Closed with explanation