vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-07 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX - XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX : XXXX, XXXX XXXX : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXX, DEPT OF XXXX / XXXX : XXXXXXXX XXXX XXXX  : XXXX, XXXX XXXX XXXX XXXX, has violated my rights.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. XXXX XXXX XXXX for XXXX, XXXX XXXX  for XXXX  has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. 
Transcript Follow along using the transcript.

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 2022-11-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Fraudulent charges from XX/XX/22 thru XX/XX/22 were charged back to my account. Company is refusing to provide receipts that show a signature so I can show it is not my signature. Is Home Depot not saving customer signatures for purchases?

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 2022-11-07 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem when making payments — 
Company: Zip Co US Inc.
State: TN

Complaint narrative:
Ever since I tried making the last payment in XXXX or XXXX I have been trying to contact Zip to discuss why I could not access the website or app so I could make a payment at least 10 times. I have even offered to give them my info but they said they do not take personal information over the phone. I have also asked them I know at least 4 times if I could mail my payment. The only response is we will email you instructions on how to make a payment or add a new payment method. Now my account is a month overdue and I am sure they are not gon na have a single problem with freezing and/or canceling my account where I can no longer use their services even though this is out of my hands.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/05 I was assessed a {$10.00} fee for " A XXXX XXXX XXXX fee is charged when you purchase foreign currency, money orders or travelers checks from a nonfinancial institution, or person-to-person money transfers, bets, lottery tickets, casino gaming chips, or bail bonds with your card or account number ( including through the use of an enabled mobile device ). This fee can be a flat amount or a transaction percentage. Your Card Account Agreement contains information about all the rates and fees associated with your account. '' Company has abused fee scheduling in the past & is hiding behind this company not being a " financial institution '' Please get rid of your clunky payment system, own up to the {$60.00} in fees you charged my savings account & stole from my grandmother & stop charging fees. I do not need your lending services & will be moving my money elsewhere & advising others to do the same

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 2022-11-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I sent a letter to TransUnion on XXXX/XXXX/2022, because of inaccurate items on my credit report. I informed themthat I want them to investigate and delete all of the inaccurate items. Not only have they not responded, but they didn't update me on the investigation results or the status of my report being in dispute. I have sent them a demand to comply as it is federal law that they infome me of the results of the investigation and that they document that the accounts are in dispute. It is also federal law that the agency investigate any and all disputes and give an updated report of the investigation. This has not been 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 non-monetary relief
Consumer complaint received 2022-11-07 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA

Complaint narrative:
Made a large overpayment on credit card ( paid {$36000.00} instead of {$3600.00} ) overage of {$31000.00} on XXXX XXXX. Discovered it the next day ( XXXX XXXX XXXX am ) and called customer service. Their representative told me that the money would be returned to me once it has cleared and considered not fraud and could take 7-10 days. On XX/XX/XXXX I called again to see if the issue was corrected and was given a case number. Since then, I have called them at least 5X or more to no avail. Each time being told something different as I would get a check in the mail or the money would be sent back to my bank. I even have written 8 emails to XXXX XXXX, XXXX XXXX XXXX Bank of America, have still not received my money back either by mail or by direct deposit. 
The bank has called me at least 3-4 times ( two women named XXXX and XXXX ) but never have gotten anything but promises that the " case '' is being worked on or they will call me back of which neither have happened. I also received two letters from Bank of America saying the money was returned to my account of which it has not.

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 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
Responding to Chase 's FALSE claims of us not submitting the declaration, we submitted it on 3 DIFFERENT OCCASIONS! 
On XX/XX/XXXX 2 wire transactions took place out of our account from Chase in the amount of {$92000.00}! 
I have been ran around in circles by Chase since then, handed over to department after department. I went through a mental health breakdown and am on the verge of losing my business! I can not afford a lawyer at this time. 
CAN SOMEONE PLEASE HELP ME GET MY MONEY BACK?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: OR

Complaint narrative:
On XX/XX/XXXX I sent a payment to a PayPal user name XXXX XXXX, email assigned to this user name is XXXX and the person uses the name XXXX XXXX. I foolishly sent the money via Friends and Family, but should have sent it as Goods and Services Amount stolen was only {$35.00} I know this is my mistake, but thought I should report this person as a fraud

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-07 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: EQUIFAX, INC.
State: SC

Complaint narrative:
I requested disclosure with negative accounts on my credit reports with the 3 Credit Bureaus XXXX, Equifax, and XXXX. Credit Companies are not complying with their own policies in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: SC

Complaint narrative:
I requested disclosure with negative accounts on my credit reports with the 3 Credit Bureaus XXXX, XXXX, and Experian. Credit Companies are not complying with their own policies in a timely manner.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: U.S. BANCORP
State: UT

Complaint narrative:
A couple of weeks ago, I attempted to log in to the US Bank mobile app to check my balance. I received an error message stating that my account was not available, and that there was a problem on the banks end. I tried a few more times over the next few days, even uninstalling, then reinstalling the app with no success. I tried calling the customer service number. I keyed in my entire card number, and when I entered my zip code was told that I had entered an incorrect zip code.

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 2022-11-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I recently opened a Citi priority checking account for a welcome offer. To qualify the welcome bonus, I transferred XXXX dollars after account opened. 
Several days later, I received email from Citi that they're closing my account because I violated their client manual!? 

I called several times but they can't give more details- and they will return my fund after my account closed, via mail checks. 

This is really bad that I don't know what happened and my XXXX fund is locked for these times.. And still haven't got them back, feeling unsafe.

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 2022-11-07 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
I contacted you to get my old address and names remove because I don't live there anymore and unreachable to this old address XXXX XXXX XXXX XXXX NV XXXX, i dont want anyone opening a mail to sent to this address and to prevent fraud. please only put one name and one address on my credit file thats shown on my Driver License. i attached copy of my driver license. please update.

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 2022-11-07 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: OK

Complaint narrative:
I called transunion, XXXX, and XXXX to remove XXXX inquiries that were put on my report, by law when you are looking to purchase a vehicle you have a 30 day window to shop without getting hit with a ton of inquiries, instead it shall only be XXXX inquiry for that auto loan. I expressed that there were incorrect and missing information on my report and the agent simply refused to remove these inquiries or remove the incorrect, not updated accounts. The auto loan itself isnt even reporting to transunion but does show up on my XXXX report. 

I was a victim of identity theft in 2019 and I was part of a police investigation in XXXX XXXXXXXX and the police did find the person but Ive been attempting to fix my credit since. 

There is also incorrect, not updated information on a bankruptcy on my report and its showing accounts and balances still owed that were included. I have mailed certified letters multiple times with no response. I have proof of the multiple contact attempts.

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 2022-11-07 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: PNC Bank N.A.
State: MI

Complaint narrative:
I recently opened a credit card with PNC. I activated the card and successfully made a couple of purchases. Shortly thereafter, the card started getting declined. I contacted PNC customer service repeatedly to get the issue resolved, but I was not successfully able to get help from their customer service. I waited on hold for over an hour and 15 minutes, finally disconnecting to board a flight. Their unwillingness to assist is both frustrating and inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX, XXXX & XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have rights 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 items of information, other than records of convictions of crime 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 if the person knows or has reasonable cause to believe the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 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: IL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and cXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , has violated my rights.

15 U.S.C 1681 section 602 A. States I have rights 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 items of information, other than records of convictions of crime 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 if the person knows or has reasonable cause to believe the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-07 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: KY

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 response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 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: KY

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 explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO.
State: NV

Complaint narrative:
On XX/XX/XXXX I met with a man by the name of XXXXXXXX XXXX XXXX in regards to renting a home. I provided him with my personal information and he approved me to move into one of his units. I paid {$1800.00} out of pocket and {$200.00} was due at my time of move in. On XX/XX/XXXX I was asked to met him at the unit for a final walk through at which time he demanded that I XXXX  him the remaining money in the amount of {$400.00}. Alone and scared I complied. I was given keys yet asked him to fix items that were wrong with the home. On XX/XX/XXXX I showed back up to the only to find him living in the unit. He physically removed me from the home. I went on XXXX and saw that he created a new posting and was attempting to scam other residents. He blocked me from all forms of communication, showed up at my job and completed authorized transactions on my banking account. The XXXX  reference number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MS

Complaint narrative:
On XX/XX/2022, I purchased a Vanilla Gift card at a local XXXX. I put {$500.00} on the card. When I tried to use the card the next day, the transaction declined. I looked at the card account information online and found that someone had made a {$490.00} ( pending ) charge to XXXX. The card was in my possession the entire time, and I did not use the card online, and I didn't share the card information in any way. I don't understand how someone could have stolen the card information so quickly. 

I promptly alerted the gift card company by calling the phone number on their website. I followed their instructions for filing a dispute and emailed the requested information to them the same day. Over the past few weeks, I have not received a refund from the company nor any communication even though I have requested an update on this case.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Block, Inc.
State: SC

Complaint narrative:
On XX/XX/2020 I received a deposit of {$9100.00} and on that same day my cash app account was hacked and all of my money was drained in increments! Cash app would not and still wont help me!! The money was sent out to an account thats not in my name that I have no knowledge of it was sent out to XXXX XXXX  and to cash app names XXXX XXXX and a cash app tag that says XXXX. Instead of them helping me cash app closed my cash app account so I wasnt able to get back into my account until recently! But the fraudsters was still using my account!!

Company response to consumer: Closed with explanation