vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: TRUIST FINANCIAL CORPORATION
State: DE

Complaint narrative:
Truist Checking account number XXXX. 
Truist debited my account {$1000.00} erroneously nad declines to recredit. Someone wrote a check on their truist account for XXXX and truist erroneously deducted the funds from my account. It was a : typing error, or posting error, or scanning error. The other account had a number close to my account. I do not know the person or company that has the othern account. Instead of posting the XXXX debit to XXXX account, they posted it to my account. You would think this could easily be corrected, but no. I went to the Truist Branch in XXXX XXXX, Maryland. Spoke to XXXX. She got someon on the phone. They insisted on treating it as a lost check or foergery matter. It is not. It is theor posting error. They kept asking me of I lost a check, or authorized the check! The image of the check appears in my online account but they seem to ignore the image.

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 2023-12-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
There has been over XXXX transactions withdrawn and deposited from a fraudulent XXXX XXXX account.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 2023-12-27 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
- On XX/XX/23 {$700.00} was taken out of my acct without my knowing - on XX/XX/23 found out that {$700.00} was missing from my checking acct, putting my acct into a deficit - On XX/XX/23 i contacted vystar customer service to inquire about the missing funds- On XX/XX/23 I was informed an investigation would be made - On XX/XX/23 I met with a supervisor at the XXXX XXXX XXXX florida branch and the following statements were made by vystar : - my claim was denied - and was informed that I will not be receiving my funds back - no specific reason was provided except that " XXXX is very complicated '' I feel that Vystar has a responsibility in having an effective process that allows me to indicate on every transaction whether or not I authorize the transaction. In this case, there was clearly a breakdown of process and I should be fully reimbursed or be given a full breakdown of their investigative process. 

Thank you for your assistance. Please let me know if I can provide any additional information to you or Vystar. 

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am sending you a letter regarding the errors and mistakes that I have found on my credit report. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

For TransUnion : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Original Creditor : XXXX XXXX XXXX XXXX XXXX For XXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX  ) XXXX For XXXX : XXXX XXXX XXXX XXXX XXXX ( Original CreditoXXXX  : 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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
I filed a complaint against Navy Federal Credit Union on the basis i believe I was wrongfully denied credit this establishment. Further, I believe Navy Federal Credit Union did not follow standard protocol in reaching a decision in determining my creditworthiness. According to the letter received from Navy Federal Credit Union, Quote : " We used a credit scoring system that assigns numerical value to various items of consumer report information we consider in evaluating a member 's creditworthiness. These numerical values are based upon the results of analyses of repayment histories and behaviors of large numbers of members. This system creates a proprietary Navy Federal credit score for each credit card applicant with consumer report information on file. We did not use your credit score from a consumer reporting agency, but rather used a proprietary Navy Federal credit score in making our credit decision ... End of Quote. It essence, Navy Federal Credit Union disregarded the National Credit Rating system which is standardly used to determine U.S. citizens credit worthiness. But rather used their own discriminatory practices to deny me credit. At the time I applied for credit with Navy Federal Credit Union ; and was denied, my credit score was approximately 678. However the system Navy Federal Credit Union used rated my score at 304. Furthermore, Navy Federal Credit Union admitted that the credit score from the Nationally used credit reporting agency was not used. however, they also admitted my Navy Federal Credit Score reflects information in my consumer report. Therefore, If they did not use my National Credit Reporting consumer information, how were they able to determine their Navy Federal Credit Union score reflects information in my consumer report? These practices are discriminatory and must not be allowed to continue!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit 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: TD BANK US HOLDING COMPANY
State: CO

Complaint narrative:
On XXXX, we contact XXXX XXXX ( XXXX XXXX about a purchase made directly with XXXX. After nearly a month of fighting with XXXX to fix our washer and dryer due to an install issue it still goes unresolved. At the time we asked for a billing dispute and advised we have case numbers and email thread with proof we have been trying to resolve this. We have receive no communication from TD Bank other then we will need to continue to make payments on the disputed amount till the issue is resolved. On XXXX, we called TD Bank for an update and received the info that the dispute had been resolved in the favor of XXXX as we never contacted their support.

Yet have multiple case numbers dating back prior to the date of the dispute. 

XXXX XXXX XXXX : XXXX ( no follow up from XXXX or their install company ) opened on XX/XX/2023. 

XXXX XXXX : XXXX opened XX/XX/2023 So TD Banks billing dispute statements are false they state we never contacted XXXX support however we have multiple times. Before the dispute was filed. 

We feel that TD Bank is not acting in the best interest of their customer and acting in the best interest of their finance partner XXXX as they have not reached out asking for additional information or even provided follow up without our engagement. 

To date we have had a tech come out find that it was an installation issue that needs to be fixed by the installation company which was hired and supplied as part of the original sales agreement with XXXX. This has not happened and we can not get XXXX to honor their part of the contract.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Good Afternoon, By way of introduction, my name is XXXX XXXX. I am a XXXX plus year XXXX in the credit and banking industry. I have carried a credit score of over 700 until relatively recently. My credit score has plummeted to less than 600 even though I pay my bills. Over a 30 or so year credit reporting history, I have been 90 days on XXXX accounts XXXX  years ago, and I have had maybe 4, 30 days over the past 2 years or so. 
The issue I have is that, even though i am paying, the credit card companies have lowered my limits. This in turn increases my utilization which in turn lowers my credit score. When one company does it, the others follow by lowering my limits to the balance owed. By doing so, the credit card companies are able to charge me the highest rates allowed by law while simultaneously limiting me in obtaining a consolidation loan or a credit card with a high enough limit to pay off others. 
Because of a recent divorce, XXXX sons in college, and my work in the turbulent mortgage industry, I have used my cards more over the past 3 years, I carry about XXXX in credit card debt, more than I would like but manageable. I had hoped to get these consolidated but because my score is so low, I can not. In addition, when I review my score, the advice I get is to " open another credit card '' This will decrease your utilization rate. that's bad advice! 
I have talked with several friends and colleagues about this, and the vast majority are experiencing the same thing. 
Right now, I am trapped, with NO way out. Credit cards are necessary today and can be crucial in tough times. 
This seems to be a concerted effort to keep the consumer paying the highest rates possible while locking them into keeping the cards because there is no viable option to pay them off. 
I would ask you to look into the practices of credit card companies to see this and to determine what should be fixed. If not corrected, many consumers will simply give up and stop paying and what are the credit card companies going to do? ruin their credit scores, too late they are already so low it doesn't make a difference. Thus, there will be a huge write-off in the future. 
my cards are with Barclays, wells, and discover. 
thank you for your help!

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 2023-12-27 00:00:00
Product: Credit card — General-purpose credit card or charge 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: DISCOVER BANK
State: CT

Complaint narrative:
I paid for a summer camp in advance for my son to attend. When I withdrew him from the camp due to safety concerns, the camp refused to refund the money I had paid in advance for the time my son did not attend. I disputed the amount with Discover as I had paid for services that were not provided to me. There is no dispute with the camp that the services were not provided, nor is there a dispute as to how much should be refunded to me. The camp simply refuses to give me my money back because they want to keep it. I disputed the charges with Discover and they initially refunded the money, then they reversed the charges and said unless the camp states in writing that they are willing to refund my money that I will have to pursue a refund a different way. Discover refuses to reverse the charges for services I paid for but never received despite the fact that there is no dispute over the fact that the camp did not provide the services for which I was charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: MT

Complaint narrative:
My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. I'am attaching proof that Equifax has admitted that I was in fact a victim of this data breach and Equifax has done nothing. Please help me delete these illegal accounts from my credit reports. 
# XXXX XXXX # XXXX XXXX XXXX # XXXX XXXX # XXXX XXXX # XXXX # XXXX # XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: WI

Complaint narrative:
I reviewed my credit report because I want to buy a house. I seen late payments for account : XXXX XXXX XXXX late payments {$190.00} Balance updated XX/XX/2023 Account info Account name XXXX XXXX Account number XXXX  Original creditor - Company sold - Account type Sales Contract Date opened XX/XX/2023 Open/closed Open Status Open. {$40.00} past due as of XX/XX/2023. 
Status updated XX/XX/2023 Balance {$190.00} Balance updated XX/XX/2023 Original balance {$240.00} Paid off 21 % Monthly payment {$10.00} Last Payment Date XX/XX/2023 Past due amount {$40.00} Terms 24 Months Responsibility Individual Your statement - Payment history 2023 XXXX - XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/120 XXXX - 15 U.S. Code 1681a - Definitions ; rules of construction U.S. Code Notes prev | next ( a ) Definitions and rules of construction set forth in this section are applicable for the purposes of this subchapter.

( b ) The term person means any individual, partnership, corporation, trust, estate, cooperative, association, government or governmental subdivision or agency, or other entity.

( c ) The term consumer means an individual.

( d ) Consumer Report.

( 1 ) In general.The term consumer report means any written, oral, or other communication of any information by a consumer reporting agency bearing on a consumers credit worthiness, credit standing, credit capacity, character, general reputation, personal characteristics, or mode of living which is used or expected to be used or collected in whole or in part for the purpose of serving as a factor in establishing the consumers eligibility for ( A ) credit or insurance to be used primarily for personal, family, or household purposes ; ( B ) employment purposes ; or ( C ) any other purpose authorized under section 1681b of this title.

( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) subject to section 1681s3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report ; ( ii ) communication of that information among persons related by common ownership or affiliated by corporate control.

This is unlawful according to 15 U.S.C 1681a ( 2 ) ( a ) ( i ).

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 2023-12-27 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Earned wage access
Issue: Unexpected fees — 
Company: Sunset Management, Inc
State: SC

Complaint narrative:
I have paid off my personal loan 3 times of payments of XXXX XXXX recently they offered me XXXX $ to take out of payments and my last payment will be resetted instead this company reset the whole entire loan leaving me to pay from the beginning again. Now they are harassing me with phone calls everyday and showing up to my home

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 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Early Warning Services, LLC
State: TX

Complaint narrative:
On XX/XX/XXXX I sent a suppression and opt out request to Early warning services because they are in violation of federal laws that pertain to the handling of consumer information, particularly my personal and financial data. It is alarming to discover that they have not adhered to these regulations and has, in fact, repeatedly violated the Fair Credit Reporting Act, Title VI of the Consumer Credit Protection Act, and The Privacy Act of XXXX. Specifically, I would like to highlight the following violations : Fair Credit Reporting Act Violations ( 15 U.S. Code 1681 ) : Violation of Section 1681c : Inclusion of adverse items beyond the allowed seven years. Violation of Section 1681e : Failure to maintain reasonable procedures for accuracy of consumer reports. / Privacy Act of XXXX Violations ( 5 U.S. Code 552a ) : Unauthorized disclosure of records without prior written consent. / Consumer Financial Protection Act Violation ( 12 U.S.C. 5511 et seq. ) : Failure to comply with privacy policies and provide necessary notices. / Regulation P Violations ( 12 CFR 1016 ) : Failure to provide initial privacy notices to consumers. Lack of opt-out notice and methods for consumers. / Identity Theft and Fraud ( FTC Violation ) : Unauthorized use of identifying information without consent. And every inquiry without permissible purpose constitutes a separate violation under 15 U.S.C. Permissible Purposes. Additionally, the failure to provide opt-out notices for promotional inquiries is another clear violation of MY consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am sending you a letter regarding the errors and mistakes that I have found on my credit report. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

For XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XX/XX/XXXX( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX XXXXXXXX : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX For Equifax : XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am sending you a letter regarding the errors and mistakes that I have found on my credit report. These mistakes that you are reporting are affecting my character and reputation as a consumer. 

For XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXX XXXX  ( Original Creditor : XXXX XXXX XXXX XXXX XXXXXXXX For Experian : XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX ) XXXX XXXXXXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX XXXX XXXXXXXX For XXXX : XXXX XXXX XXXX XXXX XXXX ( XXXX Creditor : 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 2023-12-27 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated you were committing crime by not paying debt
Company: 2288984 Ontario Inc.
State: MN

Complaint narrative:
On XX/XX/XXXX after many harassing calls to myself and family members with no information given in the phone messages other than a phone number I returned their call. Was told that they were not a collection company but had Power of Attorney to resolve or stop lawsuit process. They identified themselves as XXXX XXXX and associates. I did set up a payment plan with them to help resolve the issue. On further investigation, the XXXX  reports that XXXX stopped operations in XX/XX/XXXX and that they do not have a valid out of state license.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-27 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
Complaint Regarding Credit Report Inaccuracies Dear CFPB, I am writing to file a complaint regarding inaccurate information on my credit report. I have been actively disputing these inaccuracies with the credit bureaus, but they have failed to adequately investigate my claims or remove the incorrect information. In accordance with the Fair Credit Reporting Act. I attached the PDF file below containing the list of items that have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Credit Bureau stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify or delete accounts that aren't reporting correctly. 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. I also believe that the credit bureaus have
violated the Fair Credit Reporting Act ( FCRA ) by failing to : 1. Investigate my disputes in a timely and reasonable manner : The credit bureaus have not provided a clear expl

anation for their decision not to remove the inaccurate information, and I believe their investigation was inadequate. 2. Furnish accurate information to creditors : The inaccurate information on my credit report is harming my ability to obtain credit and other financial services. 3. Follow the FCRA 's dispute resolution procedures : The credit bureaus have failed to comply with the timeframes and procedures outlined in the FCRA. I am requesting that the CFPB investigate my complaint and take the following actions : 1. Order the credit bureaus to remove the inaccurate information from my credit report.

2. Require the credit bureaus to provide me with a copy of my updated credit report reflecting the changes. 

Enclosures : Copies of my credit reports Copies of my dispute letters Copies of any supporting documentation I provided to the credit bureaus

Company response to consumer: Closed with non-monetary relief