vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I currently have a Best Buy store credit card issued by CITI account ending in XXXX THis card has been upgraded per below I received an email today from CITI as follows : Best Buy Credit Services Best Buy Credit Services Security Zone : XXXX XXXX Online Activity Confirmation DEAR XXXX XXXX, This email confirms the following action completed at Account Online for your My Best Buy Visa Card account ending in XXXX. See detail ( s ) below : New Account Added to Account Online User ID : An additional account was added to your Account Online User ID : XXXX and is now available when you sign-on. 

Quality service and the security of your account are of great importance to us. If any of the above information is inaccurate, please contact us immediately at XXXX ( TTY : We accept XXXX or other XXXX XXXX ). 

Please visit us anytime at XXXX to review your recent account activity or update your account information. 

We appreciate the opportunity to serve you. 

Sincerely, Customer Service Note : If you performed multiple activities at Account Online within the past 48 hours, you may receive separate confirmation emails. 

My Best Buy Card was a Store card and CITI converted the store card to a XXXX  card without my consent and moved my small balance to the XXXX  card. 
When i called customer service and told them i did not authorize this change they told me it was to late to cancel. They also told me that I was one of the select few customers to receive an automatic upgrade to a XXXX  card from my store card. 
When I told them I do not want the XXXX  card, they told me i would have to pay off the balance and close the account. 

They also told me that i received a previous email about upgrading and since i did not respond to the email they upgraded me automatically. I do not recall any such email but I do delete what looks like junk or suspicious emails from my email box regularly.

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
ATTENTIVELY REVIEW my formal writ composed DECLARATION of Not Proven Com-pliant Misinformation that is all or in part : DEFICIENT of adequate current status in fullness of TRUTH, ACCURACY, COMPLETENESS, TIMELINESS, documented OWNERSHIP, cer-tifiable RESPONSIBILITY, or otherwise irrefutable compliant obligatory and regulatory requisite compliant reporting thereby mandating your immediate actions to rectify and remedy and any all infraction- ious behavior ( s ) by retaining or returning to DEMONSTRATED TRUE, CORRECT, COMPLETE, and COMPLIANT METRO 2 data field formatted reporting! To be clear, you are mandated by laws to eliminate every notation and or aspect of any and all derogatory and adversary items from any and all alleged claims still yet unproven to be true, correct, complete, timely, docu-mented as being mine, testimonial to be of my responsibility, with FCRA compliance, and or XXXX XXXX XXXX XXXX COMPLIANT reporting. FEDERAL laws dictate that any and all deroga-tory or potentially injurious reporting MUST be all of the aforementioned and can NOT BE AS-SUMED without undoubted CERTIFIABLE testimonial of FACTs ensuring the physically verifia-bility of the CONFIRMED manual validation of any item upon a consumer complaint, such as is this notice here and now.Please RETURN to or retain federally lawful reporting with your unwa-vering and unconditional annulment of every single one even each any and or all of the allegations accused of me deficient of physical evidence to every and all aspects of said claims, be them true or not. 
I would like to forge forward with a righted disputation challenging what likely is an inaccurate, un-true, incomplete, untimely, not compliant, and or possibly not even of my ownership of responsi-bility allegation of a derogatory item that I see you currently have on my credit report, possibly causing violating infringements and injury to my credibility. While studying my report I have come across a number of mistakes and inaccuracies that you are reporting. Please review and eradicate any and all of these following unproven true, correct, complete, timely, mine, my responsibility, FCRA compliant, XXXX XXXX compliant, or else wise compliant to every single one even each any and all of the regulations, laws, and standards of reporting of which you are undoubtedly mandated in your obligation to obey : The following allegations each require immediate deletion, do so now and here!

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 2023-08-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CREDIT ACCEPTANCE CORPORATION
State: AL

Complaint narrative:
To Whom It May Concern, Credit Acceptance Corportation, who controls my car loan, has reported missing payments after a repossession in XXXX of XXXX. I have a payment arrangement made with said company after the repossession fees were paid off. All of the payments per the payment arrangement have been made on time or early since XXXX of XXXX of XXXX. 

On my credit report Credit Acceptance Corportation has reported no payments have been made towards this loan since XXXX of XXXX, which is incorrect as payments have been made on time or early since XX/XX/XXXX. 

I have contacted said company and disputed this on my credit report multiple times, with no resolution offered. This is defamation of my character and credit worthiness, and I would like this resolved so XXXX XXXX, XXXX, and other credit reporting agencies can correct this information and update my account so I can purchase a 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 2023-08-31 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: Experian Information Solutions 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, Account name : # XXXX, Account name : # XXXX, Account name : # 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 2023-08-31 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: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX and XXXX several unauthorized transactions occurred on my account, and I didnt authorize. I received a notification for a purchase at XXXX groceries that I did not do. Immediately I notified American Express Serve stating that I was not that person making that transaction. So I check my account and notice that my balance have declined a lot subtracting {$6800.00} dollars from my account and those transactions that was made on my account was not of my doing. So I filed a declaration of fraud form and was denied my refund credits. Please look into this matter I am distributing all charges that was made without my consent. Thank You!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have the discover app on my phone. I set up notifications and enabled my fingerprint for convenience. Everytime I go to login and double check activity usage, my balance, pay my balance and XXXX, the app tells me my password is incorrect and shuts me out. Its a whole 30 min process that I don't always have time for. I've had this account since XXXX and this is my experience 90 % of the time. I tried emailing someone to try and get a resolution but the website says to login to get more contact information. I'm frustrated and worried with the lack of access I have to my account. I can't ensure my balance isn't negatively affecting my score nor keep an eye out for unusual activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 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: TX

Complaint narrative:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Changes in loan terms during or after closing
Company: Kiavi, Inc.
State: OH

Complaint narrative:
To whom it may concern, I am writing this letter to formally dispute the prepayment penalty amount that was recently deducted from my loan payoff balance. As per my original loan agreement with Kiavi and in accordance with Ohio state statute ORC Sec. 1343.011, the prepayment penalty was to be calculated at 1 %. In correspondence with your closing company, you initially provided the correct payoff amount based on the terms specified in the loan agreement, which included a prepayment penalty of 1 %.

Subsequently, 10 days after closing, I was informed that the prepayment penalty was actually 3 %, and I was requested to remit the higher amount along with additional fees and interest.

I would like to emphasize that this discrepancy contradicts both the terms of my agreement with Kiavi and the Ohio state statute. As a result, I request that the incorrect prepayment penalty of {$6800.00}, which was deducted from my loan payoff, be adjusted to the accurate amount of {$2100.00} in accordance with the original terms outlined in my loan agreement and the Ohio state statute.

I believe in resolving matters amicably, and I sincerely hope that we can come to an agreement on this issue. However, should we not be able to find a suitable resolution, I may have no alternative but to pursue legal action to recover the undue charges.

I would like to bring to your attention that I never agreed to or signed any documentation reflecting a 3 % prepayment penalty. The amount I agreed to, both in my loan agreement with Kiavi and in compliance with Ohio state law, was 1 %. It appears there may have been a misunderstanding, error, or miscommunication that led to this discrepancy.

I am attaching copies of both the loan agreement provided by Kiavi and a copy of Ohio state statute ORC Sec. 1343.011 for your reference. As you can see, the terms of the prepayment penalty are clearly outlined in both documents, specifying a 1 % penalty for each of the first three years of the loan term.

If there are any additional documents or information required from my end to expedite the resolution process, please do not hesitate to inform me. You may contact me at XXXX or XXXX at your earliest convenience. 

Thank you for your cooperation in addressing this matter promptly. I trust that this issue will be resolved in accordance with the loan agreement and Ohio state law. 

Sincerely, XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: All State Credit Bureau, Inc.
State: MI

Complaint narrative:
The debt collector failed to send communication regarding the debt, introduction of who they are, what the debt is for, and my right to dispute. They just appeared on my credit report without notice. They must abide by the regulations and validate the debt. This has not been done. How did this debt collector, even have access to my credit report without the proper protocols and regulations?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Hi, I opened an new checking account Citibank, I deposited {$25.00} as a requirement to open new account them I deposited {$1700.00} issued by my client as I work as a caregiver for him. The next day after opening my account online, I tried to open my mobile banking and I couldnt, I called customer service and they transferred me to the fraud department, they said my check is suspected fraud and they need to verify it with the issuer of the check, ( They didnt give me a reason why they think its suspicious ) So I gave them the phone number and they said, they couldnt call the number because its not verified phone number. they said its registered to the issuer but not verified. I gave them their house phone number again and its the same it is bot verified. So I have not idea how will I give them another number. Other option is to go to the physical branch with the issuer but they dont have any branch in my state. I asked the issuer to call them using his phone number but they couldnt honor that since theyre saying the couldnt verify that on their end all the customer service is in the XXXX and they barely speak the language and doesnt have enough resources for verification. The only way I can get my money is to wait 30-60 days till they close my account and theyll issue me a check and thats not even guaranteed. The check issuer even called his bank and see if he could stop the payment but they couldnt because the money has been deposited into my account. 
I asked them my account number since I didnt get a chance to get it since they closed my account right away, they couldnt give it to me even though I gave them all my details and answered all the security questions. 
I spoke to the executive agent and gave me a case number here it is : 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 2023-08-31 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: Experian Information Solutions 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 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 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 2023-08-31 00:00:00
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Incorrect exchange rate — 
Company: TapTap Send Inc.
State: AZ

Complaint narrative:
I requested a money transfer on TAPTAP money transfer app on XX/XX/2023 of which the exchange rate was XXXX XXXX to {$1.00}. The transaction message came that the transaction was not fully completed because they need to verify my ID. I call to completed the verification on XX/XX/2023 and the customer service representation ( name withheld ) told me it has been completed and the money deposited in the recipient 's account. But on my end it showed " failed resend '' and I communicated this to the agent who instructed that I should go ahead and click " resend '' which I did but the money deposited was different from the original amount. He then said its because rate have changed which was not the original discussion and he confirmed that the initial rates is what they will honor. I requested that my money be refunded immediate and he explained that he will escalate my concern and request for refund. It has been 2 weeks now that I have not gotten my refund. Each time I call the customer services ( 4 times ) I was they are waiting on the local partner to initiate the refund. The local bank has reverted the transaction on XX/XX/2023 but Taptap kept telling me they has not received the refund from the local bank.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-08-31 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: GA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-08-31 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: GA

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern.

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 2023-08-31 00:00:00
Product: Debt collection — Rental debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: First Advantage LNS Inc.
State: AZ

Complaint narrative:
On XXXX XXXX, a settlement with my previous landlords attorney to break lease without penalty due to roach infestation. I agreed to the terms the following day but never received any confirmation of my response. On XXXX XXXX I emailed the landlord to agree to the terms of the lease break settlement and prepared to move out on the date agreed on. However the landlord filed eviction behind our backs. We went to court on XX/XX/2022 and a judgment for nonpayment of rent for two months in the amount of {$3800.00} was granted in favor of the landlord but they had to adhere to all terms of the settlement. I moved out on XXXX XXXX. A month later I received a letter from collection agency NCAC alleging that we owed {$11000.00}. I contacted a community legal service and with the support of the lawyer she assured me that I am only required to pay the amount ordered by the court. After showing documentation of the settlement the collections agency refused to acknowledge the document and said I needed more proof or they would report it to the credit bureau. They have quoted me 3 different amounts and though I have submitted sufficient documentation, they are still refusing to correct the amount I owe them. I have been trying to pay the amount owed to them for months as the rental judgment is affecting my ability to find adequate housing. I have been homeless with my family since being evicted from this property and trying to pay the judgment has been the main obstacle to safe and affordable housing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
It is truly absurd to witness late payments reflected on my account, as I have consistently paid this account on time without any instances of being late. I strongly request that you update my account to accurately reflect my payment history.

Company response to consumer: Closed with explanation