vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-29 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: EQUIFAX, INC.
State: TX

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 name : XXXX XXXX, Account name : XXXX XXXX, Account name : 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 non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: DISCOVER BANK
State: GA

Complaint narrative:
I applied for a Discover card balance transfer on the basis of the 0 % interest rate - in the application I had to detail the amount I was interested in transferring. 

I was denied the full amount, but was approved for a partial amount. I was not interested in doing a partial transfer, so when I received the card in the mail, I did not activate it. I did not realize that the balance transfer would automatically go through for a partial amount, as that was not the amount I requested, nor did I authorize a transfer for that amount. 

It did not occur to me that I needed to take any action because in my view, I was not approved. Some time later I went online and found my credit card balance much reduced. I traced it to Discover, and immediately contacted them to get the balance transfer reversed. I phoned several times about it, getting conflicting information each time. On the third call, with my bank on the line as a third party, they declined to reverse the transfer fees saying I agreed to the transfer and there was small print in the disclosure that I agreed to when I submitted the online application. 

I am now on the hook for several XXXX dollars for a balance transfer that in my view, I did not authorize and do not want. Consumers need to be aware that Discover card will lock you into unwanted transactions when you apply for a credit card. There is apparently no grace period to correct misunderstandings that happen during an online transaction and this is an underhanded way to profit off of the unsuspecting consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: NC

Complaint narrative:
I have inquired multiple times about no overdraft fees that they advertise. I have spoken to them XXXX times in the past and this XXXX time they told me about a different checking account. Why wasn't this discussed before, why are they just now telling me. My XXXX contact was XXXX I should be credited all overdraft from this date since no other suggestions were made but to pay the fees

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 2023-12-29 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: FL

Complaint narrative:
please see attached file

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 2023-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — Foreclosure
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
The CFPB allowed the respondent to the consent order ( Wells Fargo ) on administrative proceeding file no. XXXX to dictate the affected consumer 's validity and redress.

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 2023-12-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Late or other fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
We opened a XXXX XXXX account at Bank Of America in roughly XXXX  It was noticed that service fees were being charged to the account. We addressed it in XXXX and now we noticed we are still are receiving periodic fees. Our daughter is XXXX at this point. We went to the bank location XXXX XXXX XXXX, XXXXXXXX XXXX XXXX in XXXX to address it and today XX/XX/XXXXXXXX  and met with XXXX XXXX. We also called Customer Svc XXXX and spoke with XXXX XXXX and his supervisor XXXXXXXX XXXX XXXXXXXX. They addressed the current charges but could not go beyond the current year. The largest concern i ask them to address was the fact they had the date of birth in the profile of the XXXX and they still are charging them fees. If it has happened to us twice, I know it its wide spread. I ask them to file an internal complaint on this but doubt they will do anything. The {$5.00} a month from however many accounts is probably worth the random complaints. They should not be taking advantage of XXXX in this day and age. They should be able to use the date of birth to prevent this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: DISCOVER BANK
State: PR

Complaint narrative:
This account is being disputed with the credit agncies.this account is from Discover bank.It was opened in XX/XX/2017 and in XXXX it was lost due to the problems caused by hurricane maria where we had losses.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: T.S. Holdings
State: MO

Complaint narrative:
My previous landlord withheld my security deposit illegally and charged me XXXX dollars for carpet replacement that I wasn't liable for. I took my landlord to court and finally got a judgment in early XXXX of this year. I got the court documents that state I am not liable for the debt and I've contacted both XXXX XXXX XXXX and the Debt Collector to remove it and they refuse to remove the debt despite the courts claiming I am not liable and they made no appeal attempt within the 10 day window so the ruling is final. 

The debt collector in particular has been very hostile towards me and refuses to even accept the paperwork I sent. I gave them instruction on how to check the judgment on the Missouri Casenet website so they can see it on the official website and the Account Representative said " It's not our responsibility to do the work for you, our job is to get your money. '' He refuses to accept the court judgment, XXXX XXXX XXXX is refusing to remove the debt, which is preventing me from getting a new apartment and damaging my credit so I can't buy a new car either.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-29 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: SYNCHRONY FINANCIAL
State: IN

Complaint narrative:
I opened PayPal credit and have made regular and on-time payments due by the XXXX of each month. In XX/XX/2023 I paid on XX/XX/XXXX and took time-dated screenshots as the PayPal system would not let me select the current date of the XXXX as the date of payment. The current date/due date was blocked out and I had to select a future date, thus risking the late fee. Though I have confirmation that I paid on the XXXX, PayPal scheduled my payment for XX/XX/XXXX and charged a late fee of {$41.00}. In a XXXX chat I asked for a refund of the late fee and was denied. The PayPal rep confirmed by chat that payments should post as paid on the date of submission of payment and that payments on the due date are accepted as current payments with no penalty. Yet I was denied a refund of the {$41.00} late fee. This is a violation of the PayPal policy. I have screenshots of this conversation. I can not afford to pay this late fee and will need it reversed. 

Note that my account ends in XXXX and is associated with XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, payment confirmation number 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 2023-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: U.S. BANCORP
State: IL

Complaint narrative:
I placed an order for a handful of items for my XXXX dinner online from my home in XXXX IL to the XXXX in XXXX IL to pickup!! Not knowing they use XXXX whom I have never and will never use as they are a bunch of crooks it is all over the internet!! They took the order then at the end after I paid using my debit card I noticed they had the wrong pickup location, it said XXXX IL which is up by XXXX IL about XXXX or XXXX hours north of me!!! I then tried to chat with the picker and gave them all of the information and told them of the error and told them to stop and not pick it or to contact the XXXX IL store to pick it as I am in XXXX and they ignored the chat and completed the order and set up a pickup time! I contacted XXXX corporate and they sent me back to XXXX who I had already contacted where some XXXX girl would not listen or help and refused to cancel and refund my {$19.00} for the groceries I never received which is FRAUD!!! I asked for a manager and she would not let me talk to him then said he would tell me the same! I told her I would call corporate and she said they would tell me the same and that I would just have to cancel and wait XXXX stays for my money but she never cancelled it!! I then filed a dispute with my bank US Bank in XXXX IL and took in all attached documents and complaint form they gave me after they applied the provisional credit and now they are denying me and taking it back claiming I received the products I never received as they were delivered to XXXX IL XXXX hours north of me!!!! I want this complaint sent to the FTC and bank regulators and I am sending a copy to XXXXXXXX XXXX office too!! The FRAUD is going to stop!!! These businesses, third party processors and banks are working in cohoots and committing theft and fraud!! I also want you to send me a list of banks that will accept my XXXX checks that are honest near me so I can leave this crooked bank!!

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
Please see attached documents. Do not close this complaint stating it is not me. I am a natural person and a consumer.

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 2023-12-29 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
the accounts attached to this complaint shouldn't be on my credit report I demand they get deleted immediately.

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 2023-12-29 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: NV

Complaint narrative:
Yes I sent in certified letters to the credit bureaus to show nanocuries on my report. They sent me multiple letters stated it was verified. Then I sent in verifications letters telling them they needed to prove how the debt was verified. They did not do this and they are violating consumer law and these accounts now must be removed. My next step is a lawyer if they no longer comply. One account was removed from my report for this reason so the others need to be removed as well. 

The following accounts are : XXXX XXXX XXXX account number XXXXXXXX XXXX and XXXX XXXX XXXX XXXX account number XXXX XXXX XXXX account number 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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
On Thursday, XX/XX/XXXX, XXXX XXXX XXXX XXXX made a hard inquiry on my credit. I called Friday, XX/XX/XXXX and informed them of this. They told me someone applied online and hence the hard inquiry. I told them this was not me. They told me it was declined due to misinformation. I asked them how the person applied and where. They told me it was online. I asked them to tell me what information was provided so I can see if I can figure out if I know who did this or if it was a stranger. They would not tell me. They confirmed with me that it was NOT me. They told me they would remove the hard inquiry and I was just alerted of a SECOND hard inquiry made today on XX/XX/XXXX after talking to them. I now have XXXX hard inquiries from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 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: VW Credit
State: IN

Complaint narrative:
In XXXX, I moved to XXXX. I went to the XXXX promptly to get a license and register my car. In XXXX, they need to hold the title for financed vehicles before they will register your car, and they submitted a request for the duplicate title to Audi Financial Services at that time. When I returned to the XXXX in XXXX, Audi Financial Services had not sent this title, so I contacted them directly to prompt them to do so. They told me they would do that. I have been to the XXXX four times so far since XX/XX/, and Audi Financial Services still has not honored this request. I have contacted them at least two more times, being given different excuses each time. XXXX has submitted another request for title on my behalf and I sent a copy of that same request via XXXX to Audi Financial Services in early XXXX ; I have received no notification from Audi or the state of XXXX that the title has been received by the state of XXXX. At one point, Audi Financial told me that the state of XXXX- the state I moved to XXXX from - was in possession of the duplicate title ; I called the state of XXXX DMV promptly following this call and was told that they had returned it to Audi Financial Services. Another time that I called, Audi told me that their title services were " down indefinitely ''. I can not refinance my car, register my car, or get new car insurance because of Audi 's delays. I also have to return to the XXXXXXXX XXXX regularly to get temporary 30-day registrations. This is absurb and I am tired of being lied to. I faithfully make my payments on time and have since I purchased this car ; and this is a service that Audi Financial should promptly provide. I won't ever buy another VW or Audi again after this experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: NAVY FEDERAL CREDIT UNION
State: AL

Complaint narrative:
Before the debt was sent to court. I called navy federal and requested alternate ways to pay off debt or if all my debt could be placed as XXXX total and I pay monthly and I was told no one time then another time they told me they would transfer me to the department who help with past due debt. I was given the run around, getting connected to agent to agent. NO SOLUTION. I called another time around and was told that my debt was charged off and sold to a third party called XXXX XXXX XXXX XXXX never contacted me about the debt or any resolving alternative. Just a few days ago I get a certified letter in the mail from the XXXX XXXX XXXX XXXX XXXX XXXX with a complaint " Navy Federal Credit Union XXXX XXXX XXXX  How is it fair for Navy Federal to sell the debt to someone and then turn around and sue me for it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: GOLDMAN SACHS BANK USA
State: FL

Complaint narrative:
I made a {$900.00} payment toward my balance on XX/XX/XXXX that cleared and came off my balance, then when I made another {$350.00} payment the same day through the same bank it did not clear my balance and was informed it would be available by XX/XX/XXXX. I called Apple to find out what happened and all they would do is give me a list of reasons for the hold, which none pertained to my account, and told me there was nothing I could do. One specialist informed me that because I had canceled a payment in the beginning of the month that all my payments would be on hold which was not true as I made 2 payments that completed after that. The money has been removed from my bank and I can not use it on my Apple card and I need it to pay my rent. Apple suggested I call my bank and dispute the charges and pay a fee when this is not on me or my bank. I need the hold lifted from my payment or the payment reversed so I can have access to the funds

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-29 00:00:00
Product: Credit reporting 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: OH

Complaint narrative:
Hello. I've sent in request to have old address and names taken off my report profile with TransUnion, XXXXXXXX XXXX XXXXXXXX. They have failed to do so and I'm requesting to be paid for each penalty on each report at a rate not to exceed {$1000.00} each. Each incorrect name and address. I've sent in my photo id to avoid any complications and my request has still not been met. 
I am also including hard inquiries on my TransUnion report that are legally not connected to me with any open accounts. XXXX XXXX ENQUIRYS ARE ACCURATE. All other inquiries need to be removed as soon as possible.file attached.

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 2023-12-29 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
My request for the correction and removable of the erroneous information about my accounts has been diligently neglected by Experian and XXXX. Dispite sending them the letter. I have not received any response up to this date. Besides, the inaccurate information about my account is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Section 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below is the account that is still reporting on my account : Inaccurate Addresses : XXXX XXXX XXXX XXXX, FL XXXX, XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX XXXX XXXXXXXX, FL XXXX, XXXX XXXX XXXX, FL XXXX ; Account : 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 2023-12-29 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: NAVY FEDERAL CREDIT UNION
State: IL

Complaint narrative:
Letter were send to company and via CFPB regarding violation of FCRA and USC. 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.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation