vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Dear Bank of America, I am writing to address a concerning issue regarding our agreement and the handling of my financial affairs. Upon reviewing our agreement, I have come to realize that there are significant discrepancies and breaches of trust on your part. 

I extended my credit with Bank of America in good faith, expecting that my security would be traded on the secondary stock market as agreed upon. However, it has become evident that Bank of America has failed to perform its duties adequately. I discovered that your organization was relying on the assumption of my incompetence, hoping that I would not notice the waiver of my rights to the security interest. 

Despite my initial oversight, I am now fully aware of the situation and am prepared to take appropriate action. I understand that while I may have waived certain rights, you are still obligated to issue my billing statements. Furthermore, I am competent enough to recognize that I must accept my dividend check at face value and return it to ensure proper balance in the books. 

It is unacceptable for Bank of America to tarnish my creditworthiness unjustly. Your actions, including the reporting of late payments, while engaging in security fraud, are egregious and must cease immediately. I remind you of your obligation to adhere to the Fair Credit Billing Act ( 15 U.S.C. 1666 ), which requires financial institutions to adopt reasonable procedures to ensure that consumers receive billing statements. Moreover, under the Uniform Commercial Code ( U.C.C. ), specifically 1-302, any attempt to limit rights and remedies for failure to comply with obligations is unenforceable. Additionally, Bank of America failure to send billing statements via certified mail, thereby knowingly committing mail fraud, violates Title 18 of the United States Code ( U.S.C. ) 1341.

I demand that Bank of America rectify the situation promptly. You have 30 days from receipt of this complaint to update my account to " paid as agreed, never late. '' Failure to comply will be considered willful noncompliance, which is a violation of the Fair Credit Reporting Act ( 15 U.S.C. 1681 et seq. ), specifically 1681s-2 ( c ) ( 2 ) ( A ). I will pursue further action, including rescission of the waiver of my rights to the interest and a level 3 forensic audit.

I expect prompt and decisive action to resolve this matter and prevent any further harm to my financial standing. 

Done in good faith.

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 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: DISCOVER BANK
State: OK

Complaint narrative:
Credit limit was decreased by 1600 %. The explanation I received was because I had too many credit inquiries. I have only had XXXX this year, XXXX for buying a XXXX and XXXX from my bank for requesting a credit limit increase. Another reason was for revolving balances being too high. They were still only at 30 %, which is what they were when I was approved for XXXX originally. I transferred about XXXX of credit card debt before XXXX of last year and subsequently had it paid off by XXXX. At the time of the limit decrease decision, I had a XXXX balance with no late payments. My employment requires me to use this card as I am frequently traveling throughout my state and meeting with customers, prospective customers and suppliers. I also use it for supplies, materials, tools, car maintenance, repairs and fuel. Without this higher limit card, I am suffering undue hardship and I am in danger of losing my employment and the ability to pay for my healthcare expenses. I strongly believe this decrease was because of an algorithm and/or policy based on customers paying off a large 0 % introductory interest transfer balance without incurring enough finance interest fees and that I had not used it since XXXX if XXXX. I was denied any opportunity to speak to any XXXX about clarification on this and insulted with empty platitudes.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: STATE EMPLOYEES CREDIT UNION
State: NC

Complaint narrative:
I left home in nc because my mom was sick back in XXXX XXXX come back to wife empty banck accounts and sfty deposit box and top of that find that i have a XXXX XXXX, i spoke right way to Secu bank and custumer service estate employee credit union and police and no help at : ( very sad and can recover from that I thought i save money sice XXXX XXXX XXXX when I XXXX  to The usa i savel a lot money and for one day this women call wife gets angryn and leaves and take money bank money cash and cars and sell, and come back to nothing when she even bought my eirplane ticket, is not right because i for sure did not unauthorized that, at all she only have access to account to pay a couple bill, is not right that she take all and i am the bad guy, it was that money from a XXXX XXXX not even mine Help help She took in cash in the safty {$85000.00} {$150000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: U.S. BANCORP

Complaint narrative:
I get a CD at U.S. Bank XX/XX/XXXX. At XX/XX/XXXX, I called U.S. Bank to cash my CD into my checking account. The customer service said no problem but 1 % will be deduct due to early withdrawal and I suppose to get my XXXX into my checking account within 5 business days as they mentioned. So I checked my balance at XX/XX/XXXX, it shows XXXX in my checking account perfectly. However, at XX/XX/XXXX, when I looked my balance again XXXX disappeared. So I made multiple phone calls in the next following days and all the responses are the same, tell me to wait and the money will be available tomorrow. Until now 7 business days has passed, and I still don't know why my money disappeared, and when it will be available again. Not a single reason being provided to me, which makes me frustrated. More importantly, I need the money as soon as possible to pay tax! Please help 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 non-monetary relief
Consumer complaint received 2024-02-11 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: PA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Pa, XXXX ( XXXX ) XXXX XXXX My information was sold and bought illegally because I was a victim of the Equifax data breach. I want these items Deleted from my credit reports effective immediately. Iam attaching proof that Equifax+has admitted that-l was in fact a victim of this data breach and Equifax has done nothing XXXX 
Please help me delete these negative accounts from my credit reports. 
Account # XXXX Name : 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
All items that were found to be unauthorized, including the fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: MI

Complaint narrative:
All items that were found to be unauthorized, including the fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TrueAccord Corp.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX} All these companies are trying to collect debts from me that I am not aware of. They were reported to my credit report. I have been the victim of a fraud and I only ask that they be removed from my credit.

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 2024-02-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Company explaining amount owed
Company: Westlake Services, LLC
State: GA

Complaint narrative:
My car was repossessed on XX/XX/XXXX by Westlake Portfolio Management I wasnt able to get my property out of the vehicle until XXXX at XXXX because the tow company that towed it didnt open on the weekend and you had to call and make an appointment to retrieve your personal property and for them to give the address to the tow yard where the vehicle was stored. I have been trying to get a letter from the lien holder since they came and towed my car illegally, but they told me I will receive a certified letter within 10-15days. I was making payments to US Autos  in XXXX FL. When that company filed bankruptcy and went out of business in XX/XX/XXXX, Westlake supposedly took over the loans. They didnt have our contact information or no original contact from when I first purchased my vehicle in XX/XX/XXXX. Ive went to the DMV in my area and US Autos is still the lien holder to the vehicle not Westlake Portfolio Management. I asked a Westlake employee why did my loan start over like it was a brand new loan no one could give me a direct answer. They have reported this on my credit report and has caused significant damage to my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Again, Per the FCRA as a federal protected consumer I am now opting out of any and all authorization, I the consumer may have given you. Written /unwritten, verbal or non verbal per USC 6802, Also per the Privacy Act of 1974. 

Also, This does validate any debt that I have with this company. 

The company XXXX XXXX XXXX XXXX XXXX XXXX wrote this debt as a charge of and put the balance as XXXX per page three of this same report that you XXXX XXXX XXXX XXXX XXXX XXXX provide as attachment. 

According to the IRS when a company has a charge-off on a debt, it is considered a certificate of indebtedness. 

A certificate of indebtedness is considered income and income can not be reported to the credit report. 

Since the debt is considered a charge off and the balance is XXXX dollars according to the attachment that was sent by XXXX XXXX XXXX XXXX, how do I owe this company the alleged debt. All in all, you do not have proof on how you obtained my information. That is considered IDENTITY FRAUD.

Also, per your attachment you included interest charges on a fictitious debt. According to Nevada Revised Statutes 649.375 attempting to collect interest charges or fees is prohibited.

All in all, you do not have proof on how you obtained my information. That is considered IDENTITY FRAUD.

Included in your attachment, it states that the debt is charge-off and the balance is XXXX. That means You ( XXXX XXXX XXXX XXXX ) obtained my information without my consent ( illegally ), reported it to my credit report, slandered of my name, violated my Consumer Rights and stole my identity. 

According to the FCRA, fines are XXXX per violation. The company has been reporting to my credit report since XX/XX/XXXX. 

Per, NRS11.190 This company is past the statue of limitation reporting on the alleged debt. 

Violation one : Charging interest per month since XX/XX/XXXX Violation two : Identity Fraud With XXXX2 months in a year multiplied by 6 years, that total out to be XXXX XXXX dollars. times 2 worth of violations that XXXX XXXX XXXX XXXX is admitting they have committed. 

This does not include the emotional embarrassment that came from being denied credit because of this 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 non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Nelnet, Inc.
State: MD

Complaint narrative:
I have been consistantly enrolled in a qualified university full time since XXXX. I took a XXXX withdraw halfway through the XXXX fall semester, however, I was still considered " enrolled '' full time for that semester. ( Please see attached enrollment form ). I called NelNet on XX/XX/XXXX. ( Please see attached screenshot of phone log ). I informed them, on a recorded call, that they had erroneously started to charge me payments because I am enrolled full-time, and my payments should be deferred. I asked them if they wanted me to send in the enrollment verification attached hereto, and the representative stated that it was " not necessary '' because they would have the information from the school and that the issue would be taken care of. They are still charging me payments, and are saying that XXXX payment is " passed due. '' ( Please see attached snippet of my account ). I have NEVER had a missed or late payment on my credit report. They have not fixed this, and are fraudulently stating that my payment is passed due. This will cause a ( fraudulent ) negative impact on my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: CAPITAL ONE FINANCIAL CORPORATION
State: WI

Complaint narrative:
On XX/XX/2024 i reviewed my consumer file and realized there were late payments reporting to my consumer report according to 15 U.S. Code 1681a - Definitions ; rules of construction ( 2 ) Exclusions.Except as provided in paragraph ( 3 ), the term consumer report does not include ( i ) report containing information solely as to transactions or experiences between theconsumerand thepersonmaking the report ; My transactions and experiences with your company are excluded from the consumer report. You have no right to furnish my transactions and experiences when the law clearly states that this information is excluded from my consumer reports.

The only way a creditor can treat a payment as late falls under 15 U.S. Code 1666b - Timing of payments ( a ) Time to Make Payments Acreditormay not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless thecreditorhas adopted reasonable procedures designed to ensure that each periodic statement including the information required bysection 1637 ( b ) of this titleis mailed or delivered to the consumer not later than 21 days before the payment due date.In order for any creditor to treat a payment as late you must prove that : The information required under 15 USC 1637 ( b ) of this title was mailed out or delivered 21 Days before the payment due date please provide the proof that this information was mailed out or delivered 21 days before the payment due date.

15 USC 1637 ( b ) is very specific on all required information needed or that must be mailed or delivered to the consumerA creditor can not treat a payment as late without complying with this section of the law! I request in good faith under rule 1002 the documents that shows proof that the information pursuant section 15 USC 1666b and 1637 ( b ) of this title was mailed out or delivered 21 days before the payment due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT

Complaint narrative:
To whom it may concern, I recently received a copy of my ( XXXX, XXXX XXXX XXXX ) credit report and i noticed some late payments posted to my credit report : Bank of America, account # XXXX Your company is in clear violation of the law. Under 15 usc 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( C ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instruction of the consumer to whom it relates.

Did I give you written instructions to furnish this account on my credit report?

Furthermore the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS - Except As provided in paragraph ( 3 ), the term " Consumer Report " does not include - ( a ) Subject to section 1681s-3 of this title, any- ( i ) report containing Information solely as the transaction or experiences between the consumer and the person making the report.

** Delete the above late payments from my consumer report, this company is in violation of 15 USC 1681.

Failure to respond satisfactorily with the deletion of the above referenced account and send out a free copy of my report after changes have been made will result in legal actions being taken against your company for which I will also be seeking {$1000.00} per violation for : 1. Defamation of character ( per se ) 2. Negligent and Enablement of identity fraud 3. Fair debt collection practices act 15 USC 1692G violations 4. Fear credit reporting act 15 USC 1681 violations for willing compliance 616 civil liability for willful and noncompliance ( 15 USC 1681n )

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 2024-02-11 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: EQUIFAX, INC.
State: MI

Complaint narrative:
All items that were found to be unauthorized, including the fraudulent inquiries from XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENOVA INTERNATIONAL, INC.
State: OH

Complaint narrative:
Company did a hard inquiry on my credit even though it states that credit will not be affected by inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 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: NAVY FEDERAL CREDIT UNION
State: PA

Complaint narrative:
I request XXXX XXXX  report and upon read this report I noticed that over XXXX transactions from my bank reporting on this report. These transactions consist of my bank account transactions history.These transactions were provided by the Banks in which I bank with. According to these bank privacy terms and conditions they stated that my information will not be shared with any third party. I am also aware that this is a violation under the privacy act. XXXX XXXX is a third party and for my banks to unlawfully give out my personal spend transactions without my written consent or knowledge is a complete violation of my rights as a consumer. Navy federal Credit Union has reported XXXX of my banking transactions, XXXX XXXX  has reported XXXX of my banking transactions, XXXX XXXX is reporting 8 of my banking transactions and XXXX XXXX service is reporting XXXX of my banking transactions all together, along with two other banks that I have not currently list. I have provided documents of each transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
I negotiated a charged off account with HOME DEPOT with Citibank reps for the amount XXXX to be paid by XX/XX/year> and I paid this on XX/XX/year>. On the letter from Citi it states this account would be reported on my credit as " Settled ''. As of today they reported this as a payment was made and they did not change the status to " SETTLED ''. This is clearly a breach of contract as I am in receipt of the letter from Citi and my bank statement and confirmation number from the companies rep that I paid on XXXX. I have included a copy of the settlement letter, copy of bank payment proof and copy of todays credit bureau showing this account only as a payment was made. Confirmation of the payment is : XXXX XXXX XXXX XXXX Citi Rep.

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