vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-31 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Last XXXX I rented a car from XXXX XXXX XXXX  using my Citi Bank Credit Card I also purchased the reimbursement program that was offered by Citi Bank. I hit a guard rail and did some minor damage to the car. I called XXXX and they told me to report the damage when I returned the car. I did report the damage and filled out the forms. 
XXXX sent a detailed copy of the damage and submitted it directly to my insurance company. 

I received a letter from XXXX which gave me XXXX business days from the date of the letter, to submit the money covering the difference between what my insurance paid the total bill which amounted to approximately {$1400.00}. Due to the time lag while the letter was in the mail and when I got home to look over the letter, I only had 5 business to respond. The letter stated that, if payment is not received by the due date the claim would be immediately sent to a collection agency. I was not able to collect all the information required by XXXX XXXXXXXX and since it was a reimbursement service I went ahead to paid XXXX directly. I collected all the information required by XXXX  XXXX and put in a note that the reimbursement check should be sent to me directly. XXXX XXXX sent payment directly to XXXX. 
When I was able to find out what had happened, I called XXXX to get them to refund the double payment to me. XXXX acknowledge that they had cashed the second check after the case was closed and marked paid-in-full. The lady I talked with refused to tell me how long it would take to get a check sent out and to whom they would send it. 
After waiting a couple of weeks, I tried to follow what was going on with the payment. I talked with both XXXX and XXXX  XXXX over several months. All claimed that someone else had the money and they would need to reimburse me. 
Finally, a representative stated the check had been sent to Citi Bank Administration and all Citi Bank would need to do is to fall XXXX 's finance department and they would be able to work out any issues that remained. 
Citi Bank has refused to do this, stating that it was my responsibility to get a copy of the check, to whom it was sent, and the date it was cashed. XXXX said that it was the Banks responsibility to contact them, and they could not provide that information to me. 
I would just like to track down where the money is but no one seems willing to 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 explanation
Consumer complaint received 2024-07-31 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: CITIBANK, N.A.
State: MN

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX v. XXXX, XXXX XXXX  XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter. 

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports. 

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. 

Thank you for your immediate attention.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
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:
I am writing to express my deep concern regarding the unavailability of my credit data from your bureau. As a diligent consumer who consistently monitors their credit profile, I am troubled by the recent discovery that vital information seems to be missing from your records. Despite being proactive in managing my finances and ensuring timely payments on all accounts, I have encountered significant hurdles due to the absence of my credit data from your bureau. This has not only caused inconvenience but has also put me in a precarious position, especially concerning recent financial transactions and loan applications. I have made numerous attempts to address this issue through your customer service channels, but regrettably, the resolution process has been slow and ineffective. As a result, I find myself facing unnecessary challenges in accessing essential financial services and opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-01 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: CA

Complaint narrative:
Pursuant to 15 USC 1692 a debt collection agency can not buy any consumer debt and go after the consumer for it I did not consent to this and the harassment. Debt was paid by third party therefore a 1099 form is needed. Pursuant to 15 USC 1601 charge off are paid in full 1099 form needed and please remove all closed accounts and charge off accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: IL

Complaint narrative:
The existence of this account has caused me significant distress, to XXXX XXXX where it is affecting my ability to sleep. I have provided all the necessary documentation to support its removal, and I earnestly implore you to take action and remove it from my credit report.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I am writing to demand immediate action regarding the persistent inaccuracies on my credit report. Despite my previous efforts to address these discrepancies, the same incorrect information remains unchanged. This lack of responsiveness is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I am writing to demand immediate action regarding the persistent inaccuracies on my credit report. Despite my previous efforts to address these discrepancies, the same incorrect information remains unchanged. This lack of responsiveness is unacceptable.

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 2024-07-31 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: CL Holdings LLC
State: DE

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter.

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports.

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. 

Thank you for your immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 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: OneMain Finance Corporation
State: DE

Complaint narrative:
NOTICE TO AGENT IS NOTICE TO PRINCIPLE NOTICE PRINCIPLE IS NOTICE TO AGENT I am writing to request validation of the debt you claim I owe. According to XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, statements alone do not constitute sufficient evidence of a debt. I require a proper validation of this debt. 

In accordance with 15 U.S.C. 1692c ( c ), I also demand that you cease all communication with me regarding this debt, except to provide the required validation or confirm receipt of this letter.

Furthermore, as a consumer report is a medium of communication, please remove any negative information related to this alleged debt from my consumer reports.

Failure to comply with these requests may result in further action on my part. I expect an immediate response. Please address all future correspondence to my address above. 

Thank you for your immediate attention.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA

Complaint narrative:
I am writing to formally file a complaint against Bank of America concerning the recent closure of my debit and credit accounts without any prior explanation or justification. In early XX/XX/scrub> 2024 I received letters from Bank of America notifying me that both my debit and credit accounts were being closed. The letters did not provide a specific reason for this closure. 

In an effort to understand the situation and seek a resolution, I visited the nearest Bank of America branch. During my visit, I was informed by the bank representatives that they could not provide any further information or assistance regarding the account closures. I was told that the decision was a company-wide policy and that nothing could be done about it. 
I have been a loyal customer of Bank of America, consistently paying on time and maintaining good account practices. My credit card, which was the only credit card I used almost every day, was essential for my daily transactions. Additionally, my paycheck was directly deposited into my checking account, making the sudden closure highly disruptive. 

The unexpected closure of my accounts has not only caused significant inconvenience but has also resulted in a dramatic drop in my credit score, almost XXXX points overnight. This has severely impacted my financial stability and creditworthiness. 

I kindly request that the Consumer Financial Protection Bureau investigate this matter to ensure that Bank of America is adhering to fair practices and providing adequate notice and justification for such account closures. I would appreciate any assistance you can provide in resolving this issue and in holding Bank of America accountable for their actions. 

I am not asking to recover my accounts, but I am expressing my deep disappointment with the handling of this situation, which has caused significant inconvenience. I am also requesting assistance in addressing the substantial drop in my credit score that resulted from the account closures. Any help you can provide in mitigating the impact on my credit score would be greatly appreciated. 

Debit card : XXXX XXXX XXXX XXXX Credit card : XXXX XXXX XXXX XXXX Name : 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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My account with XXXX was never late! I have had exceptional payment history witH XXXX XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported in those account to be removed.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 


XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule XXXX and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer! 

Delete the late payments from my consumer reports

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 2024-07-31 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: Education Principle Foundation
State: MA

Complaint narrative:
I am writing to file a formal complaint against XXXX regarding the denial of my request for student loan cancellation and refund of all monies paid. This complaint is based on the grounds that I was misled by my school, and my loans originated between XXXX and XXXX, which makes them eligible for cancellation under the current guidelines. 

I enrolled at Art Institute during XXXX and took out private student loans through XXXX ( formerly XXXX XXXX ) as well as federal loans to finance my education. I was assured by the school that the education I would receive would lead to gainful employment and that their programs were highly regarded and accredited. However, I later discovered that these claims were misleading and that the school did not meet the promised standards. 

I have applied for the Borrower Defense to Repayment application with the federal government and was approved, with all funds refunded. 

Here are the grounds for my complaint : Misrepresentation by the school : The school made false and misleading statements regarding the quality and accreditation of their programs. Similar to the case outlined in the lawsuit against XXXX XXXX XXXX ( XXXX ), where the schools made false claims to obtain financial benefits, my school engaged in deceptive practices to enroll students. 

Eligibility for Loan Cancellation : As per the current guidelines, XXXX borrowers with loans originated between XXXX and XXXX can apply for loan cancellation if they were misled by their school. My loans originated during this period, and I was clearly misled about their educational value and career prospects. 

Previous denial by XXXX : Despite providing evidence of the misleading practices by my school, XXXX denied my request for loan cancellation. This denial is unjust and does not align with the protections provided under the False Claims Act and the principles of consumer protection.

Company response to consumer: Untimely response
Consumer complaint received 2024-07-31 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: GOLDMAN SACHS BANK USA
State: MT

Complaint narrative:
I opened an account with Marcus at Goldman Sachs on XX/XX/year> and when I opened the account it would not accept my driver 's licence. I spoke directly with a customer service rep and was told that I would not have any issues because of that. I asked again for them to verify that under no circumstances would it prevent me from accessing my money and they said 'no, it will not ' ( I have screenshots of this interaction ). So I deposited my life savings ( XXXX XXXX ) into the savings account. The account sat and collected interest and so I wasn't checking it. At some point in the late spring I went to check on it and found that my account was locked. I had received no email or indication that it was locked. I called and they couldn't verify my identity because apparently they needed my driver 's license in order to do so. They told me to call back next week when they could send me to a specialist. When i did they said they were going to send me an affidavit of identity. My physical address is in a rural state so we do not receive mail directly to the house- we have a po box . I explained this and was told that a po box was fine and it would take a couple weeks max. I never received it. So, in XXXX I printed the affidavit and sent it to them. Once I was told they had received it on XX/XX/XXXX, I called on XX/XX/XXXX. I was transferred to a specialist as I had been before and was told that the affidavit could not be sent to my po box because it needed to be an address with my name on public record. Since beginning this long string of phonecalls, I have moved to a city but my current rental does not have my name on it either and the po box that I still have will not work for the same reason. I was never informed of this stipulation just as I was never informed I needed my drivers license and in fact was lied to about both of these things. I was told they were going to open a case for me to try and figure out how to get my account open but was given absolutely no time-frames for when this case opening will happen or when they will contact me. Based on their current track record of not communicating with each other when I call and giving me different information every time I call, I strongly suspect I will never hear from them again. Everything I have ever saved is in that account and I still don't know why it was locked. That money is my only safety net in case of emergencies and the longer this goes on, the more at risk I am of having an emergency that puts me into debt despite having XXXX XXXX dollars in this account that Marcus will not allow me to access.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: OH

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.

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 2024-07-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am greatly concerned about the inclusion of this late payment on my account, as my payment history has consistently been punctual. This situation is causing me considerable distress, and I implore you to correct this mistake by promptly removing it from my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-31 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Delays in the application process
Company: Valon Technologies, Inc.
State: KS

Complaint narrative:
I recently divorced. As a condition of the decree I was ordered to have my wife quit claim a condominium we purchased and then have her name removed from any financial obligation to the property by asking the Valon Mortgage company for an assumption. I have called at least 6 times three of which I was told my issue would be " escalated '' to get an answer. In the month that has gone by since I submitted all of my phone calls, and emails to the agent responsible for my application have gone unanswered. I promptly submitted everything asked for with respect to documentation but had one person on the phone say they didn't see where I had ever submitted anything. I can't get a human being on the phone who can provide any information at all. I called again today, was told they started another " case '' and siad they would respond in XXXX to XXXX  days. They have told me that three times in a month and I still have heard nothing. I have a XXXX day deadline to have this done. They have wasted a month and I am still no closer to an answer or resolution. I have impeccable credit, very littel debt, and have been residing in, and paying for, this residence for XXXX  years. I need them to process my paperwork so I can get on with my life and not have to sell my condo to satisfy this judgement.

Company response to consumer: Closed with explanation