vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-19 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: 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 Account number XXXX, XXXX  Account number XXXXXXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX XXXX  Account number XXXX, XXXX XXXX XXXX Account 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 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 2022-04-19 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Denied loan
Company: KEYCORP
State: NY

Complaint narrative:
I am the co-signer to an application for student loan consolidation for my daughter. XXXX XXXX engaged in significant delays asking for the same information repeatedly, then denied the application. One representative coached me to falsify submitted documents. Another breached my confidentiality by disclosing information to the loan application on XX/XX/2022. Another also breached confidentiality while i was on the phone with my daughter on XX/XX/2022, but i never provided approval for the information to be divulged.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-19 00:00:00
Product: Debt collection — Auto debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Oklahoma Motor Credit Company
State: OK

Complaint narrative:
I purchased a vehicle back in XXXX with Oklahoma Motor Credit Company. I took the vehicle back to the lot in XXXX and voluntarily surrendered it. after that it was listed on my credit report as account paid in full/charged off. I never received any communication from them by mail nor phone afterwards. All of a sudden in XXXX I get a letter from my employer that they have gone to court and received a judgement for garnishment not only for the XXXX or so dollars that I owed on the vehicle when I returned it, but the judgment is for XXXX. I call them the day I received the letter from my employer, and I was told that they sent letter by mail that were returned to them and the address she gave me I have not lived at for over 4 years. My current job I have been on for about 2 years. They found my job with no problem, but could not find my current address. I feel like they really did not try to locate me nor my residence to notify me. I really believe they acted in a deceptive manner by purposefully not contacting me in order to get a rediculously high judgement and ultimately garnish my pay check for an absurd amount.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: NY

Complaint narrative:
accordance with The Fair Credit Reporter Act XXXX account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.

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 2022-04-19 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: NY

Complaint narrative:
accordance with The Fair Credit Reporter Act XXXX account XXXX XXXX XXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: NC

Complaint narrative:
In accordance with the Fair Credit Repporting Act XXXX  account XXXX XXXX XXXX acct # XXXX, XXXX XXXX XXXX 60 day XXXX 30 day laypayments, XXXX XXXX XXXX 30 day late payments, XXXX acct # XXXX, XXXX  XXXX XXXX acct # XXXX, XXXX XXXX acct # XXXX XXXX XXXX acct # XXXX XXXX 120 day late payments XXXX 90 day XXXX 60 day 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 an account without my written instructions.

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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
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 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  And all inquiries, 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 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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
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 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  And all inquiries, 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 2022-04-19 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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

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 2022-04-19 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
Started in XX/XX/XXXX I began working XXXX XXXX I did not know and he was going to do XXXX XXXX for me. Had me sign up for all these apps. Apps started taking money out of my account without my permission. I reported to Bank of America in XX/XX/XXXX. Just received mail yesterday my account was closed XXXX no explanation why I was not given back some of money they told me in letters was credited to my account. Then they reported me to XXXX XXXX and that lead to my new personal bank putting me on hold and now I cant use my debit card til this gets resolved. I dont understand.

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 2022-04-19 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: NY

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  Account # XXXX XXXXXXXX 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 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

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 2022-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Southwest Recovery Services, Inc.
State: LA

Complaint narrative:
On XX/XX/2022 I sent a letter of verification of debt to Southwest XXXX. I have not received any letter verifying I owe a debt. But, they reported the old collections to XXXX as a new collections today, XX/XX/2022. This dropped my credit score and is stopping me from establishing new lines of credit and buying a house.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: CITIBANK, N.A.
State: NY

Complaint narrative:
This bank is crazy Im a loyal customer with my macys and Bloomingdales I recently applied and was approved for my XXXX macys and they shut down everything and its not fair I want my accounts reopened the reason the letter makes no sense returned payments in last 6 months their is no balance and then I called the credit team they Sais Im right and these accounts shouldve never been closed they said their eligible to be Reinstated what they have done to me is wrong cut off my charging orivigled and these letters with the reason make no sense after a review of my account what review if I pay on time and this makes no sense they said their executive office closed my accounts and is blaming the credit team the number on the letter

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 2022-04-19 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 Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX 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 2022-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
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 Account number XXXX, XXXX Account number XXXX, XXXX XXXX XXXX Account number XXXX, XXXX XXXX XXXX XXXX Account number XXXX, XXXX 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 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 2022-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Didn't receive terms that were advertised
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
On the XXXX of XX/XX/XXXX I opened a checking account at a TD bank branch in New York. 
A friend of mine was referring me. As advertised on my referral form I was supposed to get {$50.00} when one out of two criterion is met, and I quote, " no later than 95 days from account opening '' ( XXXX XXXX XXXX XXXX XXXX did comply with the two criterions : 20 qualifying purchases with my TD debit card within 60 days and more than 5 qualifying direct deposits of at least {$250.00} ( XXXX, XXXX and XXXX statements attached ) 4 months after the deadline I still haven't received this bonus yet. 

I reached out to TD bank several times : On the XX/XX/XXXX, the XX/XX/XXXX I wrote to the customer service online but they kept asking me to contact the TD Bank Store which the account was opened for further assistance ( XXXX XXXX ) On the XX/XX/XXXX I wrote an email to the branch representative that opened my account. No answer yet ( email-XXXXf attached ) I visited that branch on the XX/XX/XXXX and talked to a representative On the XX/XX/XXXX I sent the supporting document asked by this representative. No answer yet and no outcome yet ( XXXX attached ) On the XX/XX/XXXX I wrote to the customer service online that used again the ping-pong method and suggested to visit the branch ( XXXX attached ) I also called the TD bank customer service on the phone in vain

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
In XX/XX/XXXX, I opened a credit card with Best Buy to purchase a TV. The promotion was 24 months interest free. I worked with the guy at the desk to determine the payment amount to pay off within that period ( which was clearly incorrect ). I was also encouraged to set up paperless billing. Thus, each month, my payment. Recently, I looked at the account, and the amount had nearly doubled. After looking at the statements online, I figured out that this occurred in XX/XX/XXXX. I was charged {$900.00} in a balloon interest charge on an account where the starting balance was less than {$2000.00}. I was provided ZERO notice that this fee would be implemented. After reviewing the statements, I did see that there was some smaller print under the payment instructions stating that the promotional balance was expiring, but there was no other notice, and the paperless billing made it so I did not see that statement. I immediately contacted Citi to request to pay off the amount, as well as a reasonable fee, but they were unwilling to work with me at all. They stated that they may have been able to help me if I had called within 60 days ( 2 months ). When I called, it had been less than 4 months. Not to mention that the interest rate was apparently 25 %, something that they definitely do not highlight when you are signing up for the card. 
This practice seems predatory, especially at a time when people 's lives are still disorganized from the pandemic. I was not asking for complete forgiveness, but simply some recognition that this was a mistake and a reduction as a result. While I am able to pay this amount off, many others are likely just stuck in this continuous debt with them. This will be a significant financial burden to me, as I chose a career in XXXX XXXX. I'm just frustrated with the predatory pushing of these deals, the clandestine imposition of the balloon interest amount, and the unwillingness to accommodate when confronted with it.

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 2022-04-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: KEYCORP
State: PA

Complaint narrative:
KeyBank and XXXX XXXX have completely mishandled my loan application process. They have given me countless pieces of FALSE information regarding a MAJOR financial decision. They are misleading and never explained to me that KeyBank and XXXX XXXX are actually the same company. XXXX XXXX even made claims that their loans were better and that the process is completely different with XXXX. Not until late in the closing period did they tell me they wouldnt be able to help me since I already had an application in process with Key. Additional false information given to me by XXXX XXXX XXXX was : 1. Husband and wife applying together holds the same financial liability as one spouse applying separately ( my wife has XXXX XXXX  ) 2. A new application cant be opened easily if I want to remove my wife from the application 3. XXXX XXXX and Key are not the same bank and have entirely different teams and processes. Appraisal can not be transferred from one to the other. 
4. A bad appraisal can not warrant a new one being ordered. 

Ill be hiring a lawyer. See you in court. Havent had this issue with other lenders. I wonder if XXXX XXXX has anything to do with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19 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: NY

Complaint narrative:
In accordance with The Fair Credit Reporter Act XXXX XXXX XXXX XXXX XXXXXXXX has violated my rights 15 U.S.C 1681 section 602 8 states I have the right to privacy 15 U.S.C 1681 section 604 a section 2. I also state a consumer reporting agency can not furnish your account without my written instructions.

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