vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-23 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: TX

Complaint narrative:
After reviewing Consumer laws I have found out that in accordance with the fair reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. 

Account Name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Department of Education XXXX XXXX 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. 15 U.S.C 1681 ( a ) ( 5 ) Sectio
n 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 on 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 accurate. 
These inaccuracies are stopping me from obtaining credit for my family.

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 2023-08-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services
State: MA

Complaint narrative:
During the pandemic, my federal loans were transferred to XXXX. I made an account at that time and awaited the outcome of forgiveness. XXXX messaged me at the end of XX/XX/XXXX that they were moving my account to a new system, and I would have to yet make another account. I tried to do so in early XXXX ( as was suggested by the email ), and have not been able to make a new account. I tried again this morning ( XX/XX/XXXX ) but it seems my account is still in this transfer process. Thus, I can not see my balance or make a payment. 

I have tried to call and chat without success ( no agent available on both phone and chat ). I want to make a payment before interest resumes next week. They will be essentially forcing me to pay interest on a higher loan balance by preventing me from making a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: TN

Complaint narrative:
I was a victim of identity theft. My id was used to get loans and credit when I was younger. These accounts are still on my Transunion credit report and I have filed disputes per the FCRA and sent the proper paperwork They are : XXXX XXXX XXXX XXXX XXXX XXXX XXXX I have contacted Transunion. They do not send me copies of the investigation process per the FCRA.

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 2023-08-23 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: PA

Complaint narrative:
I hope this letter finds you well. I am writing to bring to your attention the provisions outlined in 15 U.S. Code 6802 and 15 U.S. Code 1681a, both of which pertain to the obligations of financial institutions regarding the disclosure of personal information and the definition of a " consumer report, '' respectively.

As a concerned consumer, I am aware of the importance of maintaining the privacy and security of my nonpublic personal information. According to 15 U.S. Code 6802, it is stated that a financial institution is prohibited from disclosing nonpublic personal information to nonaffiliated third parties unless certain conditions are met. Specifically : ( A ) The financial institution must clearly and conspicuously disclose to the consumer, in writing or in electronic form, that such information may be disclosed to a third party.

( B ) The consumer must be given the opportunity to direct that such information not be disclosed to the third party before the initial disclosure takes place.

( C ) The consumer must be provided with an explanation of how they can exercise the option to withhold such disclosure.

These requirements are in place to ensure that consumers have control over the sharing of their personal information and can make informed decisions about its disclosure.

Furthermore, as per 15 U.S. Code 1681a, the term " consumer report '' excludes communication of information among individuals who are related by common ownership or affiliated through corporate control. This definition highlights the importance of delineating the types of information that fall within the scope of consumer reports and those that do not. 

I kindly request that the department of Education ensures strict compliance with these provisions to protect the privacy and rights of consumers according to 15 USC 1602 ( l ). As a valued customer, I trust that the department of Education is committed to upholding these legal obligations and providing transparent communication with regard to the use and disclosure of my personal information. 

Thank you for your attention to this matter. I appreciate your dedication to maintaining the highest standards of privacy and security for your customers. Should you have any further information or updates regarding this issue, I would appreciate being kept informed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
My name is XXXX XXXX. I have been banking with Citi bank close to 3 years now. On XX/XX/14. I was unable to use my debit card at target. So I tried accessing my mobile app on my phone but it told me to call bank. I called citi bank and I asked them why was my card not working. I asked to speak to a supervisor but they denied my request. And finally the agent said fraudulent activity. I was told that I have {$550.00} in my savings and I had between XXXX to XXXX dollars in my checking. They told me I had to wait 8-14 business days for the remaining in my account. I got a letter today saying that my account is closed. I called citi bank to get a estimate date when will I receive MY money. Now they are telling me 30 to 60 days. I have to pay my bills and this is a big inconvenience. All I needed was an explanation but they are not telling me anything. Why should I have to wait for MY money. Citi bank is the worse bank I ever had.

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 2023-08-23 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I had a HELOC with Citizens Bank. In XXXX of XXXX I applied for and received approval for a HELOC with XXXX XXXX XXXX! I requested a payoff figure from Citizens Bank in order to pay the balance due on the HELOC I had with them. On XXXX XXXX I received an itemized letter from Citizens, detailing all the balances and fees that were included in the payoff figure. Included in those figures was a {$100.00} Discharge Fee! I recently noticed that money had been taken from my checking account at Citizens to pay for this fee, on XX/XX/XXXX. By doing this Citizens overdrew my checking account and then charged me a {$35.00} overdraft fee!! I shouldn't have to pay any fees as long as the amount requested in the payoff figure was satisfied, before the " payoff valid through date ''! XXXX also requested that my HELOC account be discharged, via written docs signed by me. Citizens is telling me that I never requested for the account to be closed therefore they can charge a fee for having it open, even though the request was made in XX/XX/XXXX. 
P.S. XXXX XXXX cut the check on XX/XX/XXXX. Citizens Bank stamped Received on XX/XX/XXXX, on the front of the check. Yet the reverse side of the check shows it was processed on XXXX!!! Is this not illegal?

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
On XXXX  I opened a credit card with Banco Popular de Puerto Rico. Over time, I had to max-out the card to cover unexpected expenses. After it was maxed out, I only payed the minimum and never used it again. This year I am making arrangements to make more payments to the card and I notice a {$95.00} charge every month going back years. I called the bank and they told me it was an optional insurance and that I could cancel it. I told them I never agreed to any insurance on my credit card. The insurance company named XXXX says the bank opened the account on my behalf. $ XXXX  monthly for months on end that I never authorized. I did not even know of the insurance companys existance. I already made a letter to request the cancellation of said insurance policy but neither the bank or XXXX want to take responsibility for charging what sums up to be thousands of dollars without my authorization and against my will.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: OH

Complaint narrative:
On XX/XX/23 I sent to XXXX, XXXX XXXX, and Experian an Exclusion of a Credit Report to their Dispute Department because they are inaccurately reporting late payments. I received nearly 2 months later a notice that my credit report has been updated with no clarification on what has been updated. Pursuant to 15 U.S.C 1681, Consumer reporting agencies shall follow reasonable procedures to assure maximum possible accuracy of my information.

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 2023-08-23 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: TN

Complaint narrative:
In accordance with the FCRA, XXXX XXXX XXXX XXXX, Account number : XXXX has violated my rights. I do not recognize how this account is reporting on my credit report. I do not recognize the account number. I do not recognize the account status. I do not recognize the account high balance nor do I recognize the late payments associated with it. Everything reported here does not meet the FCRA. 

15 USC 1681 Section 602 A : States that I have the right to privacy. 
15 USC 1681 Section 604 A Section 2 : States a consumer reporting agency can not furnish an account without my written permission. 
15 USC 1681S-2 ( A ) ( 1 ) : States 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. 
15 USC 1681C ( A ) ( 4 ) : States that no consumer reporting agency may make any consumer report containing any of the following items of information : Accounts placed for collection or charged to profit and loss which antedate the report by more than seven years.

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 2023-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: Chime Financial Inc
State: TX

Complaint narrative:
Dispute case number XXXX I told the bank I had issue with the merchant, I received wrong items and damaged item, the item I received and what I ordered is not the same, the bank failed to resolve this matter although I have sent them evidence I had with the merchant

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: Duvera Billing Services, LLC
State: MI

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
15 usc 1681 all 3 reporting agencies must promote accurate information with my credit report and thats exactly what they are not doing with the attachments below it shows all my accounts have been opened on different days, inaccurate and unverified information must be removed. I have certified mailed all 3 bureaus tracking number XXXX XXXXXXXX and still have not receive any information. 

This letter is a formal complaint that you have ignored my previous request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. 
Under federal law ( 15 U.S. Code 1681i ), you had thirty ( 30 ) days to complete your investigation from the date you received my dispute. 
Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Some relevant facts : ( 1 ) Transaction was made in IDR XXXX on my Citi Premier Card XX/XX/2023 XXXX XXXX XXXX ; ( 2 ) The transaction was posted in my Citi account on XX/XX/XXXX for USD XXXX ( i.e., XXXX IDR/USD ) ; ( 3 ) Citi Premier Card is on the Mastercard network with 0 % foreign transaction fee ; ( 4 ) According to the Mastercard  currency converter calculator XXXX XXXX XXXX XXXX XXXX my transaction on XX/XX/XXXX should only cost me USD XXXX ( USD XXXX lower ). 

I contacted their customer service, and they said that Citi uses the XXXX XXXX XXXX ( odd! ) for their conversion rate. Using that rate ( for XX/XX/XXXX ), it should be {$75.00} lower, and they suggested I should file a dispute. 

I filed the dispute on XX/XX/XXXX and received a dispute letter on XX/XX/XXXX rejecting my {$75.00} claim. The letter then said that the exchange rate used to convert is established by " either Mastercard International, Visa International or XXXX XXXX '' ( surprise surprise ). 

I have requested that my dispute be reopened but am pessimistic.

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 2023-08-23 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: NY

Complaint narrative:
I recently received a copy of my credit report, and I noticed some accounts on my consumer report that should not be on there. This agency is in violation of 15 USC 1692g. They were to notify me of this in writing 5 days prior, I was not notified. As the original creditor, only I can validate this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: NY

Complaint narrative:
I am the victim of identity theft. I am writing to dispute a fraudulent [ charge/debit ] on my account I am a victim of identity theft, and I did not make this [ charge/debit ]. I am requesting that the [ charge be removed/the debit reinstated ], that any finance and other charges related to the fraudulent amount be credited, as well, and that I receive an accurate statement.

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 2023-08-23 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I had a balance of approximately {$8000.00} in Paypal. I requested a check for {$4000.00}. They said they sent a check on XX/XX/XXXX and deducted the money from my account but I never received the check. I called a few times only to get people that say they need to get back to me but they never do.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Westlake Services, LLC
State: GA

Complaint narrative:
In 2021 I bought a car from US Auto sales after being coerced into a car I didnt want and lied to that I could exchange it at my local branch, which I was unable to do because it went over the miles allowed. I asked specifically about gap insurance and if the car comes with it and I was verbally assured it did and that its with the paperwork. My boyfriend at the time was a witness to this verbal acknowledgment. A year later I was t-boned and the car was considered a total loss. Although upset because I would have to restart my car buying journey over I figured I was ok with payments because I had the gap insurance. When I called about it they told me I never had gap and I needed to pay the money owed on the car. Its now on my credit as a repossession.

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 2023-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I received a credit card in the mail on XX/XX/23. It was sent to my old address that I still have mail forwarding on so it was forwarded to my current address. I immediately pulled my credit report. I called and told Chase that I did not apply for any credit card with them and they closed the account. The account is listed on all XXXX credit bureaus with a {$140.00} balance reported. I have disputed the account with all XXXX bureaus. The representative that I spoke with on XX/XX/23 at Chase ( XXXX XXXX said that the balance was {$200.00}. There were no hard inquiries on XXXX or XXXX. There was a hard inquiry on XXXX. I put a credit freeze and fraud alert on all XXXX bureaus on XX/XX/23. I called XXXX on XX/XX/23 and disputed the hard inquiry. They removed. On XX/XX/23, I received an email that the account was listed on XXXX. I called and filed another dispute to have that account removed. On XX/XX/23, I received a letter from Chase that they closed the account and were investigating. On XX/XX/23, I mailed a request to Chase to provide a copy of the application that includes a summary of all of the relevant information about the credit card account that was opened in my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-23 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: Westcreek Financial
State: MI

Complaint narrative:
The existence of a derogatory rating on my account is causing me significant concern. I am deeply worried about its potential impact on my credit. It has already resulted in the denial of a recent loan application and an increase in the interest rates on my existing credit accounts. I want to emphasize the severe financial and emotional distress that this negative rating has caused me and will continue to cause until it is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23 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: Mercedes Benz Financial Services
State: NJ

Complaint narrative:
Starting on date XX/XX/2023 I started a dispute with this company by mail, another one on XX/XX/2023 by certified mail to get a closed account of a car lease deleted off of my credit report that was paid off and closed! This account has since been reporting negative and delinquent information to my credit report and hindering my chances of being approved for anything. Since this account is closed and outdated while also being no longer collectible it should be deemed as not mines and removed immediately. I have already sent out a 3rd dispute on XX/XX/2023 by certified mail. All responses have been non compliant, I demand the deletion of this account immediately.

Company response to consumer: Closed with explanation