vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TD BANK US HOLDING COMPANY
State: AZ

Complaint narrative:
Am I correct that a department store needs to send you some sort notification regarding revolving credit? ( for example - a bill- to let you know the amount that is due. ) Nordstrom was pushing paperless billing, as many companies do. I received emails with my statements for a few years, and then they stopped. I still have the same email I had when I opened my Nordstrom card. And, I use my card ALOT. In fact, I get close to 100 emails a month- trying to get me to spend more money. 
Well, Last fall I was 30 days late. I never was notified by them. I happened to call them on my own because I realized my bill might be due. 
Based on my credit report, they reported me 30 days late, on the same day I called and paid my bill in full. ( and I have since gone back to paper statements and have auto payment- which i did not even know they had available. ) My credit went from a XXXX to a XXXX. 
I have emailed them, called them ( over and over ) and I get no answer. I was told that I had to send a written letter. So- I did this and let them know I stopped receiving emails with my bill. Also I sent them copies of the correspondence regarding setting up auto pay, getting paper bills against, etc. I have heard nothing except a generic letter letting me know that they have to keep it fair for everyone.which made no sense. 
If they cant even send me a bill- do they have a right to report me? 
and why did my credit fall so far? 
and last, my wish is : if these companies want to push paperless billing so badly, can they at least be responsible and help the consumer sign up for alerts ( when bill is due, etc ) or auto pay? 
thank you so much. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I tried to view my score and it wouldnt let 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 2023-07-09 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Date : XX/XX/2023, XXXX XXXX PT Entity : Citibank , N. A. 
Issue : Domestic Wire Transfer Cancellation | Refusal to Assist w/same Amount : {$1500.00} USD I attempted a wire transfer from my Citibank account to a family member 's XXXX XXXX  XXXX account . For reasons unknown to me, I was required to call in for authorization. I did so, and the agent confirmed the {$1500.00} USD transfer was initiated, and it showed processing in the Citibank system. 

However, minutes after hanging up the transfer showed as " unable to process '' with no explanation. I called in again, and Citibank was unable to give me any reason or rationale. Furthermore, they insisted I call in later to ascertain what went wrong with the last transfer as the " system was down '' and additionally noted I would need to initiate a separate transfer, requiring yet another call. Ultimately, the agent hung up on me. 

My bank account ostensibly includes 'free ' wire transfers. However, this is wildly misleading when the true cost includes three separate calls and multiple attempts to -potentially- process a transfer. This is unacceptably sub-standard customer service. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: ENOVA INTERNATIONAL, INC.
State: WI

Complaint narrative:
I got a quote online for a personal loan through XXXX. it came back with a company called netcredit which is quoting me 94.31 % interest. How is this even legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX XXXX ; Account number : XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX XXXX ; Account number : XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : XXXX XXXX XXXX XXXX ; Account number : XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/2016 a Wells Fargo - California Bank account was opened under my identity. With an amount of {$540.00} being withdrawn or spent. I never opened up this account, this is very inaccurate, and believe was fraud. The email is mines, never got any type of notification, phone number is not mines, never had it, nor have I lived at the address it was opened under.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OK

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. 
I told the XXXX, Transunion, and XXXX to reinvestigate these accounts : XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX XXXX : XXXX, XXXX XXXX XXXX : XXXX. 
However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681 ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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.

Also they aren't even in compliance with metro 2 credit reporting. I have evidence to prove my case

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I have been battling with the 3 credit bureaus, XXXX, XXXX, and TransUnion since XX/XX/2023. They are reporting my accounts as late and that is incorrect. I have called them, disputed online, and sent in dispute letters, yet they fail to correct these errors on my credit report. I also contacted the creditor of the accounts to confirm their status and in fact they don't have any deliquencies on record so i dont understand why the Credit Bureaus continue to report me late on these accounts. To my knowledge these late payments are inaccurate and under 15 U.S Code 1666 ( b ) billing error, I have the right to request for removable of late payments! According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CANT!! This inaccurate reporting is hurting my financial well being and is totally unfair. I already have a hard time as an XXXX XXXX XXXX in this country having a bad credit report just makes things harder for me. And the information on my reports is wrong, this is clearly a billing error and a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. I beg please hold these credit bureaus accountable for their credit reporting practices.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I have been battling with the 3 credit bureaus, XXXX, Equifax, and XXXX since XX/XX/2023. They are reporting my accounts as late and that is incorrect. I have called them, disputed online, and sent in dispute letters, yet they fail to correct these errors on my credit report. I also contacted the creditor of the accounts to confirm their status and in fact they don't have any deliquencies on record so i dont understand why the Credit Bureaus continue to report me late on these accounts. To my knowledge these late payments are inaccurate and under 15 U.S Code 1666 ( b ) billing error, I have the right to request for removable of late payments! According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CANT!! This inaccurate reporting is hurting my financial well being and is totally unfair. I already have a hard time as an XXXX XXXX XXXX in this country having a bad credit report just makes things harder for me. And the information on my reports is wrong, this is clearly a billing error and a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. I beg please hold these credit bureaus accountable for their credit reporting practices.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: BANNER CORPORATION
State: WA

Complaint narrative:
I am XXXX years old, and English is my second language. My daughter, XXXX XXXX, has been helping me at Banner Bank with my HELOC. She has been requesting a fixed interest rate for my Heloc for over one year. Banner Bank has refused to offer me a fixed interest rate, and my payment has more than quadrupled. She began making this request in XXXX of 2022. My loan allows me to rollover my interest rate to a fixed interest rate any time during my draw period. Banner Bank has been illegally charging me every month refusing to honor the terms of their own promissory note.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI

Complaint narrative:
Second time someone tried to open an account through Bank of America that is not me. I received email today ( XXXX ) from BOA directly stating another attempt was made.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account ( s ) Name ( s ) and Number ( s ) : Account name : BMW FIN/ALPHERA FIN SVCS ; Account number : XXXX, has violated my rights.

15 U.S.C. 1681 Section 602 A. States I have the right to privacy.

15 U.S.C. 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: NAVY FEDERAL CREDIT UNION
State: HI

Complaint narrative:
There are over 40 inquiries unauthorized on my credit report and I dont have enough room to list them all each because they are 80 inquiries total throughout XXXX, XXXX , and XXXX .

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CAPITAL ONE FINANCIAL CORPORATION
State: HI

Complaint narrative:
There are over 40 inquiries unauthorized on my credit report and I dont have enough room to list them all each because they are 80 inquiries total throughout XXXX, XXXX , and XXXX .

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
I previously submitted 3 complaints each detailed fraudlent inquiries on my credit report on XXXX, XXXX and transunion it hasbeen more than 30 days they have not responded with proof that these were ligitmate inquiries. I requested that they be removed and as of this complaint they still have not been removed. As a result I have been unable to secure a loan and/or other extensions of 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 2023-07-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Took or threatened to take negative or legal action — Threatened to arrest you or take you to jail if you do not pay
Company: CCF Intermediate Holdings LLC
State: WI

Complaint narrative:
XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Illinois XXXX Phone : XXXX Fax : XXXX Email : XXXX XXXX XX/XX/2023 Office file number : XXXX Dear XXXX XXXX : We have reviewed the email that you forwarded to us. It is a scam that we see very frequently. The most important thing for you to do is NOT to reply or engage with them in any way. In fact, you can mark the email message as junk and block the sender.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I am writing to report that I have been a victim of identity theft. I have reason to believe that someone has used my personal information to open accounts or make unauthorized purchases. Please investigate and take any necessary steps to correct the fraudulent activity and protect my credit. I would also appreciate a copy of my credit report once investigation is complete. Thank you for your attention to this matter.

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 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
I have been battling with the 3 credit bureaus, Experian, XXXX, and XXXX since XX/XX/2023. They are reporting my accounts as late and that is incorrect. I have called them, disputed online, and sent in dispute letters, yet they fail to correct these errors on my credit report. I also contacted the creditor of the accounts to confirm their status and in fact they don't have any deliquencies on record so i dont understand why the Credit Bureaus continue to report me late on these accounts. To my knowledge these late payments are inaccurate and under 15 U.S Code 1666 ( b ) billing error, I have the right to request for removable of late payments! According to the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j the creditor must provide me with PROOF that I was indeed late but they CANT!! This inaccurate reporting is hurting my financial well being and is totally unfair. I already have a hard time as an XXXX XXXX XXXX in this country having a bad credit report just makes things harder for me. And the information on my reports is wrong, this is clearly a billing error and a violation of the Fair Credit Billing Act ( FCBA ), 15 U.S. Code 1666-1666j. I beg please hold these credit bureaus accountable for their credit reporting practices.

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 2023-07-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I am a paypal account holder. In XXXX of this year ( XXXX  ) there were a string of unauthorized charges made on paypal acounnt. When I saw the charges on my account I promptly reported them and have been working with paypal to resolve the issue since late XXXX. I had continued using my paypal account since then without issue. On XX/XX/XXXX paypal gave me provisional dispute credits for some of the disputed charges. I used my paypal account with no problem. Later on when I logged back into paypal I was informed that my account was " permanently restricted '', im not able to make any transactions using my paypal. I canot close my account or access the funds in my account for 180 ds days. I contacted paypal support and asked why my account had been " restricted '' I was told that they didn't know why, that someone in the back of the house made the decision and theres no way for me to contact this person or find out why the restrictions were placed on my account. I then asked if there was any way to get the remaining funds from my account and was told they were holding my money for 180days. I then asked to have my account closed and the balance of my account be sent to me. I was then told that I was unable to close an account with restrictions on it. So paypal has decided that they are gon na without explaination take my money and refuse to give me access to it for 6months. I don't belive that is right or legal. I want to either be able to access my funds through paypal immediately or want my account closed and the balance of my account sent to my adress immediatly.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-07-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
I previously submitted 3 complaints each detailed fraudlent inquiries on my credit report on XXXX, equifax and XXXX it hasbeen more than 30 days they have not responded with proof that these were ligitmate inquiries. I requested that they be removed and as of this complaint they still have not been removed. As a result I have been unable to secure a loan and/or other extensions of credit.

Company response to consumer: Closed with explanation