vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank for the second month in a row charged me interest {XXXX} on XX/XX/2022 on Credit Card before the bill before it is due, next XX/XX/2022. 
Balance paid on time and in Full on XX/XX/2022 balance that date XXXX ; even their own statement says so. 

Most recent statement closed on XX/XX/2022 and I do not have that statement yet, but is not due until XX/XX/2022. 

Please ask the Controller of the Currency to enforce the law NOW! 

and prevent Citibank for charging my interest during the 25 day grace period when no interest is due at all. 
Second time in two months.

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 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
Bank of america is letting people put fraud charges on my account they refuse to enter my information. i keep going into bank with no results they keep taking my money. in 2 months i have had no money. they refuse bto talk to me on phone because there bankers lie and will not put in my info correct. i cant keep doing without money HELP bank of america XXXX XXXX XXXX wa XXXX XXXX XXXX XXXX XXXX XXXX i want to press charges aganist 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 monetary relief
Consumer complaint received 2022-03-16 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: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : XXXX, XXXX XXXX XXXX Account number : 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 a 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 2022-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I have tried with TransUnion to remove the late payments from XXXX XXXX. The late payments needed to be removed from my credit. I never got one statement at and was XXXX to XXXX. They mailed all the statements to Florida resident of XXXX XXXX XXXX, XXXX, Florida XXXX. While XXXX, I also had all my mail forwarded to my current wife address in Ohio of XXXX XXXX XXXX, XXXX XXXX, Ohio through USPS. Once home, I found out about all the late payments. So I took action, I Paid and closed the account. I Was Never told or had knowledge of her late payments. Some of her payments were gone up by XXXX dollars, where I believe she was paying XXXX a month, and it had gone up to XXXX a month. But Regardless I am very responsible on my payments and I can not have they post that on my credit they need to remove those late payments specially since I paid and closed that account as I am very responsible as an XXXX and XXXX XXXX veteran who served my country proudly. The least they can do is remove the late payments and or remove XXXX XXXX from my credit completely. My history shows I have always been responsible with my mortgage payments. Problem is, I recently checked my credit report to find out this late payment charges. If you see my credit report, I have always paid my creditors on time with past mortgage companies. So It would not make sense that I would be late on a small payment of which I had no knowledge. And I was divorced so my communication with my x wife was of non-existence, please help a responsible veteran who fought hard and survived. Please help. I am also in a process of getting veterans department lawyers and civil lawyers involved in this case to go ahead and sue XXXX XXXX I have tried to call sXXXX XXXX to get my account number and had no luck with them, they said I was not in their system God bless PS : I have added the war statement and awards for the section 5 in this application concerning my veterans ' status.

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 2022-03-16 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I'm having a very difficult time speaking with a LIVE AGENT about concerns I have in regards to my consumer reports with XXXX, XXXX, and Experian. I haven't been able to get through to a rep for 3 weeks now. Every time I call I'm stopped by their automated phone service which doesn't have the ability to fix anything concerning a consumers needs. How is it that these 3 Consumer Reporting Agencies can profit off of millions of consumers personal identifying information which is aggravated identity theft, cause financial injury, ruin reputations, interfere with consumers ability to operate within commerce and consumers can't even speak with a LIVE AGENT??? Not to mention the countless errors, inaccuracies, violations of consumer rights, that are being committed daily. I thought the consumer reporting agencies were required to adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information. 
I have lost all faith in commerce it bothers me to know that millions of consumers across the country are suffering at the hands of these CRAs and the government allows them to operate above the law. 
" Americas credit reporting oligopoly has little incentive to treat consumers fairly when their credit reports have errors, said CFPB XXXX XXXX XXXX. Todays report is further evidence of the serious harms stemming from their faulty financial surveillance business model.

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 2022-03-16 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
I have tried and tried with all three credit bureau Experian, XXXX and XXXX to remove the late payments from XXXX XXXX. The late payments needed to be removed from my credit. I never got one statement at and was XXXX to XXXX. They mailed all the statements to Florida resident of XXXX XXXX XXXX, XXXX, Florida XXXX. While XXXX, I also had all my mail forwarded to my current wife address in Ohio of XXXX XXXX XXXX, XXXX XXXX, Ohio through USPS. Once home, I found out about all the late payments. So I took action, I Paid and closed the account. I Was Never told or had knowledge of her late payments. Some of her payments were gone up by XXXX dollars, where I believe she was paying XXXX a month, and it had gone up to XXXX a month. But Regardless I am very responsible on my payments and I can not have they post that on my credit they need to remove those late payments specially since I paid and closed that account as I am very responsible as an XXXX and XXXX XXXX veteran who served my country proudly. The least they can do is remove the late payments and or remove select portfolio from my credit completely. My history shows I have always been responsible with my mortgage payments. Problem is, I recently checked my credit report to find out this late payment charges. If you see my credit report, I have always paid my creditors on time with past mortgage companies. So It would not make sense that I would be late on a small payment of which I had no knowledge. And I was divorced so my communication with my x wife was of non-existence, please help a responsible veteran who fought hard and survived. Please help. I am also in a process of getting veterans department lawyers and civil lawyers involved in this case to go ahead and sue select portfolio. I have tried to call select portfolio to get my account number and had no luck with them, they said I was not in their system God bless PS : I have added the war statement and awards for the section 5 in this application concerning my veterans ' status.

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 2022-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA

Complaint narrative:
XXXX deleted the debt collector XXXX XXXX XXXX XXXX XXXX from my credit report because the company failed to respond in the 30 day time frame. They allowed XXXX XXXX XXXX XXXX XXXX to report and placed them back on my credit file which is a direct violation of the Consumer Fair Reporting Act. Since reporting back on my credit report, it is now showing that I opened this account 4 months ago, which 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 non-monetary relief
Consumer complaint received 2022-03-16 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: LA

Complaint narrative:
XXXX deleted the debt collector XXXX XXXX XXXX XXXX XXXX from my credit report because the company failed to respond in the 30 day time frame. They allowed XXXX XXXX XXXX XXXX XXXX to report and placed them back on my credit file which is a direct violation of the Consumer Fair Reporting Act. Since reporting back on my credit report, it is now showing that I opened this account 4 months ago, which 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 non-monetary relief
Consumer complaint received 2022-03-16 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
This information is not mine. I have sent letters and called to report this issue for over 4 months. I was informed that the information would be removed. It is still showing on my report. It does not belong to me. 

XXXX XXXX XXXX Address XXXX XXXX XXXX XXXX XXXX XXXX XXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/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 2022-03-16 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: EQUIFAX, INC.
State: FL

Complaint narrative:
This information is not mine. I have sent letters and called to report this issue for over 4 months. I was informed that the information would be removed. It is still showing on my report. It does not belong to me. 

XXXX XXXX XXXX Address XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX Record details On record until XX/XX/XXXX Inquired on XX/XX/XXXX Comment Unspecified. This inquiry is scheduled to continue on record until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: CBC Companies, Inc.
State: TX

Complaint narrative:
On XX/XX/2022 I submitted a dispute letter to Creditors. These companies are currently reporting to the three credit bureaus that I applied for credit with their organization and I did not grant them authorization to review my credit report. As a result, this caused a lot of headaches to my livelihood. I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 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: CORELOGIC INC
State: TX

Complaint narrative:
On XX/XX/2022 I submitted a dispute letter to Creditors. These companies are currently reporting to the three credit bureaus that I applied for credit with their organization and I did not grant them authorization to review my credit report. As a result, this caused a lot of headaches to my livelihood. I'm not being able to properly use my credit when needed. I have been denied access to Loans, Credit, Mortgages because of this.

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 2022-03-16 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I placed my debt with debt management company for a Citibank debt, and they are still reporting that I owe them. However, refuse to provide debt validation report on all the payments made to the account. I spoke with agent # XXXX to resolve this issue, but she refuse to assist me. I ask to speak with a supervisor and refused helped or a connection to speak with a supervisor.

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 2022-03-16 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I logged on to one of my Citi/AAdvantage accounts to make a payment and discovered that the account, with no notice or explanation, had been closed. I logged on to my other Citi/AAdvantage account and discovered the same thing had occurred. 

I talked to three separate customer service representatives, not one of whom had any idea why my accounts had been closed. 

In the meantime, I received letters from Citibank after the fact that my accounts had been closed because I had one or more late or returned payments. 

I made an online appointment with a Citibank representative, who called the credit card division, and was told that I had a few payments that had been returned. None of those payments resulted in a late fee, as the minimum amount due each month had not only been met but also surpassed. The representative with whom I spoke said she had never heard of such a thing as an account being closed because of returned payments, especially those that were in excess of the monthly amount due. 

She filed a request for a review of my accounts, and I was notified two days later that the accounts could not be reopened because I had one or more late or returned payments. The reason there were returned payments in the first place was because on those few occasions they were not showing up on my available credit and I chose to make the payments to another card where they did show up immediately and thus allow me to earn points. 

First, I have not had one late payment on either account since opening them. Second, the returned payments were not due for payment at the time. Third, the Late Payment Warning on my statements is that if minimum payment is not received by the due date that I might incur a late fee and my APR may be increased. Nowhere does it state anything about returned payments that do not constitute minimum payments. Finally, I did not get so much as a letter of warning or explanation, in which case I would have not had the payments returned. 

I see no reason, given my history of prompt payments on my accounts, that Citibank could not have simply reopened my accounts ; instead it has caused great damage to my credit score. I request Citibank reopen my accounts so I can continue to be a valued customer. 

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 explanation
Consumer complaint received 2022-03-16 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 — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
Time after time this credit reporting agency is breaking the law I send dispute letters in certified mail asking for this alleged debt to be validated by law 15 USC 1692g Validation of debt ( 4 ) A Statement that if the consumer notifies the debt collector in writing within the thirty-day period that the debt or any portion thereof, is disputed, the debt collector will obtain verification of the debt or a copy of a judgement against the consumer and a copy of such verification or judgement will be mailed to the consumer by the debt collect. I have not received this information in fact when I call the debt collector asking for documents they say the sent them email and even have it documented in there system that they mail which is a lie I would like them to prove this alleged debt by verification of debt or judgement they havent dont anything to provide this information and it is hurting my ability to obtain 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 non-monetary relief
Consumer complaint received 2022-03-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
Depositing monies into my account and the monies never showed up. Also not being able to get assistance with locating the monies. Prior to and thereafter BB & T Truist merged with Sun Trust the problems worsened. A few XXXX of dollars is unaccounted for. The most recent funds that is unaccounted for is XXXX which was transferred from my savings account to my checking account. I am not making any progress in learning what happen to the monies. It is remains a mystery. My account has been breached repeatedly ( before the merger ) and I never recouped all my funds. Two employees at the bank informed that the computer systems were not working property and customer accounts were all " screwed up ''. I can attest to that : I called about fraud on my account and the representative said " I can't see the information all the information that you can see online because the systems were messed up ''. This went on for an extended period of time and they are still having issues. I went to the bank approximately two weeks ago on a Saturday and they were not able to let the customers in because they were having computer problems and therefore unable to perform and transactions. Eventually we were let in. 

Please 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 2022-03-16 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Carvana Group, LLC
State: NC

Complaint narrative:
Carvana is using consumers desperation to force them into paying high down payments. Any down payment is a violation of the truth in lending act 15 USC 1605a & 15 USC 1662. Pursuant to 15 USC 1602 of the truth in lending act, a consumer can regularly extend credit, since I refuse to violate consumer law my extension of credit is being denied which is a violation of the Equal Credit Opportunity Act 15 USC 1691. Violations of truth in lending carry both civil penalties and criminal charges, I have every intention of filing similar complaints with the state and the federal attorney generals office.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-16 00:00:00
Product: Money transfer, virtual currency, or money service — Traveler's check or cashier's check
Issue: Lost or stolen check — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I issued a cashiers check on XX/XX/XXXX, and I couldnt find it. I went back to the same branch to stop and redeposit the amount back to my account. The check clearly shows no being present, and money still held within Citibank. 
The branch told me the investigation will takes 90 days and it clearly beyond ridiculous on the time frame.

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