vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 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: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against These Agencies regarding a late payment on my credit card account. The following accounts are listed below XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX 
Account number : XXXX Late Date opened : XX/XX/XXXX According to 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of the title, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In this case, I believe that XXXX XXXX did not comply with the regulations outlined in 15 U.S. Code 1666b, as my payment was treated as late despite being made within the required timeframe. 

I am requesting that the Bureau investigates this matter and takes appropriate action to rectify the situation, including removing the late payment from my credit report and ensuring that XXXX XXXX is in compliance with the regulations set forth in 15 U.S. Code 1666b. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: NJ

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a complaint against These Agencies regarding a late payment on my credit card account. The following accounts are listed below XXXX Account number : XXXX Date opened : XX/XX/XXXX XXXX XXXX XXXX 
Account number : XXXX Late Date opened : XX/XX/XXXX According to 15 U.S. Code 1666b, a creditor may not treat a payment on a credit card account as late unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement, including the information required by section 1637 ( b ) of the title, is mailed or delivered to the consumer not later than 21 days before the payment due date. 

In this case, I believe that XXXX XXXX did not comply with the regulations outlined in 15 U.S. Code 1666b, as my payment was treated as late despite being made within the required timeframe. 

I am requesting that the Bureau investigates this matter and takes appropriate action to rectify the situation, including removing the late payment from my credit report and ensuring that XXXX XXXX is in compliance with the regulations set forth in 15 U.S. Code 1666b. 

Thank you for your time and consideration. 

Sincerely, 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 2023-02-02 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Credit reporting agency failed to conduct a proper reinvestigation of disputed information on consumer file per the Fair Credit Reporting Act.

15 U.S.C. section 1681i section 611. states that reinvestigation is required to be conducted if a consumer disputes any inaccurate, incomplete or unverified item of information contained in a consumer 's file. The law also lays out proper procedures on how to treat said inaccurate, incomplete or unverified information ( Paragraph 5, Subparagraph A ) and also requires the credit reporting agency to provide notice of results of reinvestigation ( Paragraph 6 ). 

A dispute was submitted on XX/XX/2022 to Experian and they have yet to provide an adequate notice of results of reinvestigation as it is laid out in The Fair Credit Reporting Act.

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 2023-02-02 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: FL

Complaint narrative:
This report open for over a year and remains a major impact to our credit score. It has impacted our ability to get a loan or credit or buy. I have been in touch with the bank and XXXX and to date NOTHING RESOLVED EVEN THOUGH BANK HAS ACCEPTED XXXX cents final paid in full PAYMENT they continue to post as charged off XXXX cents. It is beyond unacceptable!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I have previously filed a complaint with the CFPB, XXXX # XXXX. I am submitting a new complaint as Citi has deviated from the steps they alleged they would take in response to this complaint. 
My father passed away on XX/XX/2022. I informed Citi of his passing by telephone on XX/XX/2022. Citi alleged they would contact me for further steps, but never did. I contacted Citi again and they requested a fax including a death certificate, living trust documents, and a letter of intent. I faxed all of the above to Citi on XX/XX/2022 and confirmed receipt on my end. 
Citi responded to my previous complaint alleging that they would close the account. In Citis response to my previous complaint they alleged that they had received the required documentation. When Citi finally contacted me a month later, Citi alleged that I had not sent the required documentation even though I had sent the documentation they asked for twice. 
Citi asked for new documentation they had not previously asked for including Letters Testamentary or a Small Estate Affidavit. Citi claimed they would not even discuss the account with me until I sent this. This contradicts their response to me previous claim in which they alleged that they had received the required documentation. 
Since then, I have filed a Small Estate Affidavit with the XXXX XXXX XXXX XXXX. I have faxed a certified copy to Citi as requested. However, the account is still open. Citi is still refusing to close the account or discuss the account with me, despite a legal obligation in the state of Oregon certified by the XXXX XXXX XXXX Oregon.

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 2023-02-02 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: Driveway Finance Corporation
State: NV

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. 

Account name : XXXX XXXX  Account number # 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 2023-02-02 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: TX

Complaint narrative:
On XX/XX/2023 please be sure to enter dates that all letters were sent. 

I sent disputes to XXXX, Equifax, and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them of the violations they were making to my consumer report. It has been over 60 days and they have failed to respond. I am attaching copies of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed XXXX ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
A Balance Transfer Check was issued from XXXX XXXX XXXX XXXX on XX/XX/2023 and received on XX/XX/2023 but not processed until XX/XX/2023. 
presuming this check was lost, stopped Check and and had replacement sent on XX/XX/2023 by XXXX  XXXX tracking # XXXX to Comenity Bank overnight address listed on the back of their bill and received on XX/XX/2023 by a XXXX XXXX at XXXX payment has not been posted yet. I had called on XX/XX/2023 and spoke to a rep who told me it was the payment from fed ex that was posting., she was wrong! I am told by their Reps that paper check payment can take up to 2-4 weeks to post, is that legal? 
I spoke to a Rep XXXX last night who thought it was strange if a payment didn't post within XXXX weeks, WHY would i put a stop on it and consider it LOST. 
I normally send payments electronically and they take 2 business days to post to the credit card, but they are deducted immediately from my checking account, usually its the other way. 
these are bad business practices that need to be investigated, PLEASE. 
I would also like to now is itLLEGAL for them to DELAY POSTING of a PAYMENT and not back date it the date received..

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I have a checking account with Citizens Bank that had an amount that was over {$17000.00}. On XX/XX/XXXX, I received a call from XXXX XXXX XXXX to notify me that a check in the amount of {$12000.00} was made under my name and under my account. The check was from Citizens Bank and it was cashed at XXXX  XXXX XXXX. I contacted Citizens Bank right away. I went to the Citizens Bank branch that is in XXXX Massachusetts. They made me file a claim which did by phone. They also made me filled out two declaration forms which I did and answered the questions at best of my knowledge. They did received both of the declaration forms. I called the claim office on XX/XX/2023 for an update, the person that I spoke to insisted on telling me that I was the one who wrote the check which I honestly didn't. A fraudulent check was made under my account and under my name. Citizens Bank is showing no interest in giving me back my money or finding a solution to the problem

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUSTMARK CORPORATION
State: MS

Complaint narrative:
I file bankruptcy XXXX XXXX. I was discharged of the debt. I called TRUSTMARK Bank to remove it it has not been removed. It's hurting my credit and I can't a home loan or bank 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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
I have been with Fifth Third bank for many years and never had this problem. 
On XX/XX/2023 I put a deposit into my account of {$7500.00} of XXXX XXXX. 
The deposit cleared XXXX also on the XXXX. 
On XX/XX/2023 I put another deposit in the bank of {$6300.00} XXXX  days later when checking into my account the deposits were there but the funds were not available. 
I went to the bank and they told me that the funds were marked as inefficient and would take a week to be good. I asked why and they said that it was because I put them in their ATM attached to the bank. I told them that I have been doing this for years and they said they could do nothing.I asked why no sign on the ATM about this with no answer. They said if I wanted this not to happen again to come in to the inside teller window. 
The cost of interest I had to pay on my bills because of the delay was not wright The bank should at least put a sign on there ATM informing customers of this!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
I was incarcerated from XXXX XXXX and sent my proof to Chime bank as well. My wallet, car keys, etc was left in the home I shared with my ex girlfriend at the time. I too sent in the police report that I filed against her as well. On XXXX XXXX she made unauthorized transfers to her account for {$410.00} dollars then on XX/XX/XXXX upon my release she got hold to my new card that was sent to the home address in which I sent proof that I can not legally be at ; and she activated the card and transferred another {$600.00} dollars. As I mentioned I provided my incarceration documentation, police report, and bond conditions. Ive been denied 8 times and each time the investigation send me the documents that they based the decision off, they never include my incarceration papers ; despite the staff physically attaching my documents themselves. This has almost been 2 months and its an ongoing headache. I just want this properly resolved if possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
I had a Wells Fargo mortgage between XXXX  I believe my interest rate was mishandled.

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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
On XX/XX/XXXX Navy Federal took {$1500.00} from my checking account which is a joint account with my husband and took {$830.00} from another checking account in spite of this auto loan # XXXX, being in dispute. This auto loan was in dispute since XX/XX/2022. Navy Federal 's response was that the account was validated but according to federal law, just stating an account being validated does not determine that it is, pursuant to 15 U.S.C 1692g. Also, Pursuant to 15 U.S.C 1692g, when an account is in dispute Navy Federal must stop collection until the information that's required has been sent. I called navy federal numerous times just to be transferred to the collection department and the fraud department and nobody can get me an answer, some tried to tell me to consult with an attorney even though they are clearly in violation. Because of this action, I have not been able to pay my personal bills or supply things for my home. This is defamation of character and unfair and abusive debt collection practices by Navy Federal. This account is still in litigation and the Navy Federal has yet to notate in their systems or contact the credit agencies about the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
There was fraud covered byREG E on my account Citi bank then refunded me my money and instantly blocked my account and closed it, no one from their team has helped me get access to these funds. All they say is 30-60 days I will receive a check. Citi bank allowed this fraud to happen on my account and they closed my account for their mistake. And now they are refusing to allow me to withdraw my funds or wire my funds to another account. They are violating REG E and have completely stolen my money with zero explanation.

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 2023-02-02 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: NJ

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX  # XXXX XXXX XXXX XXXX has violated my rights. 
15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 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 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 2023-02-02 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC
State: AL

Complaint narrative:
JEFFERSON CAPITAL SYSTEMS TOOK OVER A XXXX XXXX ACCOUNT THAT WAS REPORTED TO BE OPENED ON, XX/XX/2021 WITH AN OUTSTANDING AMOUNT OF {$2600.00}. I HAVE TRIED TO CONTACT XXXX AND THEY KEEP ASKING ME TO SUBMIT A FRAUD PACKET. I SHOULDN'T HAVE TO SUBMIT ANYTHING CAUSE I HAD SENT OVER DOCUMENTS STATING " SOMEONE STOLE MY IDENTITY. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: IN

Complaint narrative:
I purchased a motorcyle in 2006 and the dealership financed it through HSBC. I paid it off in XX/XX/XXXX and sent a small refund for overpayment on XX/XX/XXXX. In XXXX of XXXX I decided to sell my motorcycles and get duplicate titles. I learned the HSBC still has a XXXXien on my bike and I had to have then issue a " lein release ''. have called HSBC repeatedly and sent the letters for the lien release. I have not had any response from my letters and I have been repeatedly put on hold then ultimately disconnected. The last letter I sent via their instructions has also been met with no response. HSBC has not only been unhelpful they have been dismissive as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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:
My name is XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error.

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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: BANK OF THE WEST
State: CA

Complaint narrative:
I recently cashed a check for my sister which ended up bouncing causing my account to go negative after I already gave her the funds. I deposited money, well enough to pay back the negative funds and then bank of the west locks my account. I call and they tell me to go to a branch and the branch says I need to call. So now I'm stuck with my money in a bank that apparently doesn't know what to do with me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: HI

Complaint narrative:
Transunion is refusing to remove hard inquiries that are not mine, not authorized by, and done so without my consent. 

My email, address, phone number, social security number, passwords to my account are all being sold all over the internet, pastebin 's, and are being reported on security websites, and paid for security watch by XXXX. These are attached. My account and credit has been compromised.

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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Too XXXX  overdrawn with my account

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation