vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I went to the bank to make a withdrawal from a Citibank ATM Machine and noticed that my account balance was incorrect on my receipt. The bank was closed so the next day I went to the bank and a bank employee told me that there had been two ( 2 ) separate wire transfers out of my account- each in the amount of {$40000.00}. I did not initiate these transfers and I did not authorize anyone to make these transfers. I filled out the papers that the bank required me to complete and had them notarized. I also went to the local police department and filed a Victim 's Report ( Case Report # XXXX ). I then returned all the forms to the bank with a copy of the police Victim 's Report. They told me they would investigate the matter and would be in touch. On XX/XX/XXXX they sent me a letter that advised me that they were denying my claim. I have since found from employees at my bank that the same thing happened to numerous other customers at the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Delay in processing application
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
American Express promised expedited delivery of my XXXX XXXX XXXX Credit Card. However, after numerous times of calling them, the delivery of the credit card is still on the same day they gave me during my application. Also, it was mentioned that American Express issue instant card numbers once you get approved for a credit card. However, this didn't happen in my case.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
XXXX and Experian posted incorrect information about the status of my account. My most recent credit report Dated XX/XX/2022 shows that the last time this company updated my payment history was in XX/XX/2022. This account is paid in full, but your reporting doesn't reflect this accurate information.

Inaccurate payment history information like this are preventing me from obtaining credit that I'm trying to apply for because it's lowering my credit score big time.

I take this very seriously and I would appreciate it if you remove the late payment marks off this account as soon as possible.

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 2022-04-29 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: T.S. Holdings
State: MO

Complaint narrative:
So there is a previous complaint XXXX. I called back to try to get the address and account number to file a dispute. They refused to use give me the information or to allow me to have all contact in writing with the company as the LAW states I have a right to. I was told I would have to send that to them in writing yet refused to give me the address or account number to send that to UNLESS i gave then information in return. I finally just hung up and I am going to sue them for the violations of the fair debt collection practices act. He was rude, and abusive in his language, and he further when told that I was XXXX and needed my legal consultant to assist me, he became berating of myself and my legal consultant and refused to make any accommodations for my XXXX in violation of the Americans with Disabilities Act, he actually stated when told I was XXXX that he was going to treat me like anyone else He demanded i give him my proof right then, he refused to provide either a physical or email address and refused to accept my request to only deal with them in writing. This adds to my first complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: CITIZENS FINANCIAL GROUP, INC.
State: WI

Complaint narrative:
Customer of XXXX for 15 plus years. Recently became Citizens customer as a result of their merging. 

Currently have approximately {$31000.00} on deposit with Citizens. 

On XX/XX/XXXX I initiated transferring just under {$10000.00} more to Citizens from XXXX XXXX XXXX Bank. Citizens pulled the money but never credited to my accounts. Showed a pending completion date of putting money in our accounts in the year XXXX XX/XX/XXXX I called Citizens to work on correcting problem and subsequently close accounts. Spent HOURS on the phone XXXX, XXXX, XXXX, XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX helped us revoke our authorization to transfer and got back all of our transferred funds ( just under {$10000.00} ) XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX I called Citizens, emailed them AND sent a notarized letter requesting to close the accounts XX/XX/XXXX they initiated the process to close the accounts XX/XX/XXXX they closed our accounts totaling just over {$31000.00} As of XX/XX/XXXX, they still have not cut us a check for our money. Representative indicated that they are having troubles cutting checks and it is unknown when money will be returned to us

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Guidance Alum LLC
State: TX

Complaint narrative:
I got scammed by Guidance Alumni. Will I be able to recover the funds.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: The Best Service Co.,Inc
State: NM

Complaint narrative:
I have a closed off account with a credit union in the XXXX XXXX, CA area. The credit union already reported my account as closed. The collection company that is attempting to collect the debt, is reporting the same debt/amount to the credit agencies. So it appears I have two delinquent auto loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

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 2022-04-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
Hi I am submitting this XXXX A XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop XXXX i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE XXXX XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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 — Other problem getting your report or credit score
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I have 4 Authorized Credit card. TrasUnion is the only credit report they dont have it. 

Thank you

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 2022-04-29 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with fees charged
Company: Exeter Finance, LLC.
State: GA

Complaint narrative:
I paid down payment using cash but was listed as credit Violations : USC 1605 ( A ) ( C )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: Bread Financial Holdings, Inc.
State: OR

Complaint narrative:
Please see the below attachment for all details and correspondence.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/XXXX, XX/XX/XXXX of 2022 was when it happened XXXX XXXX had used my debit card and our linked bank account to make repetitive withdrawals straight from my Bank of America account the sum for XX/XX/XXXX was $ XXXX and I didn't notice the transactions were made I woke up on the XXXX to find XXXX XXXX and BofA had allowed {$1600.00} withdrawal straight out of my account and into my wife 's XXXX XXXX account that was immediately transferred to Bitcoin and sent God knows where I called the bank immediately to let them know this must be a joke my debit card should not be linked to anyone else 's XXXX XXXX  and they should not be able to make cash withdrawals especially in that amount that many times there were 12 withdrawals one after the other and I told them I had recently had fraud issues with my other account when my phone was lost and as soon as I realized someone had mess with my account before all charges had even gone through BofA told me I would get a new card and they would investigate I filed a police report immediately and tried to show BofA all the confidence I had and upload my documents but they would not let me offer anything until after there investigation. They later about 9 days after the complaint came back with a denial of my claim and a statement that an authorized user must have made the charge but they didn't even check anything I kept calling to let them know I no longer have control of the XXXX XXXX account it has been completely taken over by fraud I don't know we're to turn and I need help they offer none

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-29 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: AES/PHEAA
State: NY

Complaint narrative:
I applied to FedLoan to consolidate and achieve forgiveness on my FFEL loans. Consolidation was complete in XXXX and I submitted my employer certification form shortly after also in XXXX. I re-submitted the same form again in XXXX because there has been no movement. Im reading that people that applied for forgiveness after me have received forgiveness and nearly 5 months later I dont even have payment counts. They are not reviewing cases in order. I called in XXXX and was told it could take 120 days from the forgiveness application. Its been more than 120 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-29 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: OneMain Finance Corporation
State: CO

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # XXXX, has violated my rights. 

15 USC 1681 Section 602 State I have the right to privacy 15 USC 1681 Section640 A Section 2 : it also states a consumer reporting agency account furnishes an account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-29 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: MO

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # 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 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

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 2022-04-29 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: Freedom Mortgage Company
State: CO

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights.

15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instruction.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open-end consumer credit plan as late for any purpose

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 2022-04-29 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: TX

Complaint narrative:
this letter to inform you that you have violated federal law and federal regulations ( 15usc 41 ) Look i sent letters via certified mail to the XXXX credit bureaus on XX/XX/2022 of inaccurate and unknown stuff all over my credit report. to this day which is well over 30 days. i have yet to hear a response regarding disputes sent via certified mail. I HAVE RECIEPTS AND DELIVERY SAYING YOU ALL RECEIVED THE DISPUTED CERTIFIED MAIL. I feel like I am being taken advantage of and BEING ignored. 

Section 611 ( a ), it plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been well over 30 days so they shall be deleted promptly as stated by federal law.

I demand these disputes sent via certified mail to be deleted immediately or I will file for litigation due to the stress you have caused me.

The credit bureaus also violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under the section 611 ( a ) ( 1 ) stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be deleted promptly. 


XXXX XXXX MAIL : 1. Tracking # XXXX 2.Tracking # XXXX 3.Tracking # XXXX I MADE A CFPB Complaint About violations from the bureaus 1. # XXXX ( XXXX  ) 2. # XXXX ( TO TRANSUNION ) 3. # XXXX ( XXXX ) The credit bureaus violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under section 611 ( a ) ( 1 ) failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be DELETED PROMPTLY. ITS BEEN WELL OVER 30 DAYS. ANY FURTHER DELAY AND I WILL BE SUEING FOR VIOLATING FEDRAL LAW AND MY RIGHTS FINED {$1000.00} FOR EACH VIOLATION PAYABLE TO 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 2022-04-29 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
this letter to inform you that you have violated federal law and federal regulations ( 15usc 41 ) Look i sent letters via certified mail to the XXXX credit bureaus on XX/XX/2022 of inaccurate and unknown stuff all over my credit report. to this day which is well over 30 days. i have yet to hear a response regarding disputes sent via certified mail. I HAVE RECIEPTS AND DELIVERY SAYING YOU ALL RECEIVED THE DISPUTED CERTIFIED MAIL. I feel like I am being taken advantage of and BEING ignored. 

Section 611 ( a ), it plainly stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been well over 30 days so they shall be deleted promptly as stated by federal law.

I demand these disputes sent via certified mail to be deleted immediately or I will file for litigation due to the stress you have caused me.

The credit bureaus also violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under the section 611 ( a ) ( 1 ) stated the failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be deleted promptly. 


XXXX XXXX MAIL : 1. Tracking # XXXX 2.Tracking # XXXX 3.Tracking # XXXX I MADE A CFPB Complaint About violations from the bureaus 1. # XXXX ( EXPERIAN ) 2. # XXXX ( XXXX XXXX ) 3. # XXXX ( XXXX ) The credit bureaus violated 15 usc 1681 Section 623 ( 9 ) ( b ) ( 2 ) The credit bureaus are supposed to complete all the investigations before the expiration of the period under section 611 ( a ) ( 1 ) failure to investigate these items within 30 days gives a reason to immediately remove the items from the credit report if its been over 30 days so they shall be DELETED PROMPTLY. ITS BEEN WELL OVER 30 DAYS. ANY FURTHER DELAY AND I WILL BE SUEING FOR VIOLATING FEDRAL LAW AND MY RIGHTS FINED {$1000.00} FOR EACH VIOLATION PAYABLE TO 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 2022-04-29 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: OH

Complaint narrative:
15usc1681a 15usc1681 section 602a 15usc1681 section 604 Every information should be accurate on all 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