vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-15 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Getting a loan or lease — Credit denial
Company: Southern Auto Finance Co
State: CA

Complaint narrative:
XX/XX/2022 I was denied an extension of credit based on alleged delinquent payments to other creditors. Ive sense only received an adverse action letter that does not follow federal law. 

adverse action 15 usc 1691 ( d ) ( 6 ) For purposes of this subsection, the term adverse action means a denial or revocation of credit, a change in the terms of an existing credit arrangement, or a refusal to grant credit in substantially the amount or on substantially the terms requested.

**Such term does not include a refusal to extend additional credit under an existing credit arrangement where the applicant is delinquent or otherwise in default, or where such additional credit would exceed a previously established credit limit. **

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: CA

Complaint narrative:
XXXXXXXX XXXX XXXX XXXX XXXX missed payment XXXX XXXX XXXX XXXXXXXX XXXX MISSED PAYMENTS 15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 SECTION 604 A Section 2 : it also states the consumer reporting agency can not furnish an account without my written instructions.

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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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:
XXXXXXXX XXXX XXXX  XXXX XXXX missed payment XXXX XXXX XXXX XXXX XXXX MISSED PAYMENTS 15 USC 1681 SECTION 602 States I have the right to privacy.

15 USC 1681 SECTION 604 A Section 2 : it also states the consumer reporting agency can not furnish an account without my written instructions.

15 USC 1666B : a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for 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 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have filed a fraud claim on XX/XX/XXXX and still have not heard back anything from Bank of America. I have called numerous times and trying to get this resolved. My account is missing over {$1400.00} and i still haven't receive my money back due to fraud. I need someone to address this immediately.

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 2022-12-15 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Unexpected or other fees — 
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My account was fraudulently charge {XXXX XXXX XXXX XXXX XXXX XXXX XXXX I called the bank but they have never investigated the account. And now charged me interest fee, even though my bank account is charged in full. I spoke with someone called XXXX, who is supposed to be a supervisor but hang up on me without answering any questions.

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 2022-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have proof of fraudulent charges including XXXX active cases going to the XXXX  for prosecution. When will my account be credited for the fraudulent purchases in the amount of {$2700.00}?

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 2022-12-15 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: TD BANK US HOLDING COMPANY
State: TX

Complaint narrative:
I received a letter in the mail from XXXX XXXX regarding an account that was fraudulently open under my name. I called XXXX XXXX  the first week of XXXX immediately when I found out and reported this account was fraudulently and I didnt not make that purchase. They told me I would be receiving a resolution within 30 days confirmation XXXX. I didn't received anything from them. It turns out a XXXX statement mailed to my house showed another purchase made with this account within XXXX weeks of the first purchase. I called them again on XX/XX/22 and they told me they would put a hold on the account and send me an affidavit to sign disputing the charges confirmation XXXX. Its XX/XX/22 and still haven't received anything. I receive a XXXX statement on XX/XX/22 from this company. The charges still haven't been removed but reinstated. They still have not sent me any paperwork to remove this account. I really need help getting this account closed and taken off my credit report. I have no idea how they even opened this account. If the statement was never sent to my house I would have never known this account was open under my name.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX : # XXXX XXXX XXXX XXXX : # XXXX XXXX XXXX XXXX : # 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 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 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:
I have sent 6 letters to all three credit bureaus pleading with them to correct my credit reports. 
I have never lived at : XXXX XXXX XXXX XXXX, NJ XXXX, XXXX XXXX  XXXX XXXX, PA XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX I have never had a XXXX acct or XXXX  account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: National Credit Systems,Inc.
State: OK

Complaint narrative:
The apartment complex XXXX on XXXX has fraudulently added a debt on my report. I don't owe anything because I was XXXX XXXX ( XXXX ) assistance. I had zero rent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: LA

Complaint narrative:
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 report agency can not furnish 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 purpose.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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: LA

Complaint narrative:
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 report agency can not furnish 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 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 2022-12-16 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EOS Holdings, Inc.
State: NJ

Complaint narrative:
I sent XXXX certified letters stating that I do not know anything about this debt. I have never had an account with XXXX and will not pay for something that doesn't belong to me. In the letters, I've asked them to validate that this debt belong to me but to no avail. Since they have not verified this information, it has to be removed from my credit report which they have refused to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Unable to open an account
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I have 3 accounts with Wells Fargo ( WF ). I tried to open a self directed consumer trust account under $ XXXX. I first went to the bank, with an appointment and they had no notary. I tried doing it on line and by phone with no success. I went to a branch again and I was able to get the forms but had no luck completing the account. The branch people have no idea what they are doing. I called WF while I am at the branch to attempt to get this completed. I spoke to many people and was transferred about 12 times, to every department and Wealth Advisors but nobody could tell me how to complete the documents that the WF branch gave me - form XXXX Certification of Trustee. I have filed within WF and they have gone silent. I am a long standing customer with WF and I believe based on my skin XXXX, ethnicity, having the ability to open a Trust they are discriminating against me and will not open up a Trust account and are instead giving me the run around. Yes I have all the duly executed Trust documents.

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 2022-12-15 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: Chime Financial Inc
State: KY

Complaint narrative:
On XX/XX/XXXX my account was suspended due to suspicious activity. Chime needed to perform an investigation and asked me to provide my drivers license, proof of my address, and a letter stating that the attempted deposit to my account was authorized. I have tried multiple times to contact chime since this occurred and they have offered little to no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: LoanCare, LLC
State: GA

Complaint narrative:
I have my mortgage moved to Forbearance with Loancare ( XXXX  ). In XX/XX/2022, I signed an agreement with my loan service providing to modify my loan and payment in which my new monthly payment was suppose to be a {$790.00} XXXX. I start my payment on the new loan modification in XX/XX/2022. My XX/XX/2022 statement from Loancare ( XXXX  ), I received a bill in which my payment was increased to {$1100.00}, I called the Loancare ( XXXX  ) to express my concerns and requested to speak with someone regarding my account. And, I informed Loancare ( XXXX ) I had just recently had my payment modified and it must have been some kind mistake with this payment amount and that I would only be sending {$900.00} for my XXXX payment until I spoke with some regarding my account. I was then told the increase was due to the shortage in my escrow account. Well, I told the Loancare ( XXXX  ) representative this should have bee taken into account when you all drafted the modification agreement and I don't expect any change to my escrow account for at least XXXX month or why did they add over {$6000.00} to my principal loan amount. I was told they would spend my account to the loss mitigation department. I did not hear them or receive any correspondence. I received my XXXX statement in which I was not billed for XXXX for the {$1100.00} plus late fees. In spite of the fact I paid {$900.00} with cover my principal and interest and previous estimate escrow amount. Not sure if I am late if I cover the principal and interest on the loan??? And, the Loancare ( XXXX  ) has reported to the XXXX XXXX my account as being late. Therefore, I have paid the {$1400.00} to keep from damaging my credit score and from accumulating late fee in effort of my loan service provider to force my property into foreclosure. I call the Loancare ( XXXX  ) customer service line again and has not spoken to any representative willing to assist me with this matter. But, they were will to take my additional payment over the phone without a fee. My next step is going to be reaching out to them certified mail. Because, if they are going to continue to bill me at the higher mortgage amount then I need them to remove the additional {$6000.00} added to my principal balance for the loan modification.

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 2022-12-15 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: EQUIFAX, INC.
State: VA

Complaint narrative:
I contacted All ( CREDITOR BELOW ), who placed the inquiry, and asked them to remove their credit inquiry from my credit profile. I also asked them to cease their illegal activities immediately, but to date there have been no responses from their office. Since sending the letter more than XXXX business days ago, they have failed to respond and honor my request. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX these are not mine. They are not factual.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-15 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:
XXXX XXXX XXXX I was reported delinquent on payments for following dates : XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have tried calling this lender to dispute above mentioned, but unsuccessful. 

In accordance with the Fair Credit Reporting act 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.

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 2022-12-15 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account unde, an open end consumer credit plan as late for 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 2022-12-15 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: Experian Information Solutions Inc.
State: NY

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 a account without my written instructions. 15 USC 1666B : A creditor may not treat a payment on a credit card account unde, an open end consumer credit plan as late for 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 non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other transaction problem — 
Company: Paypal Holdings, Inc
State: MI

Complaint narrative:
I opened a Venmo account because my friend used Venmo more than PayPal. As we spoke he wanted to send me money to help with purchasing plane tickets for my children to come visit them. I set up the account on venmo, verified my banking information and he sent the funds. I received notification that I received the funds and the email stated I could then transfer the funds to my bank. When I tried to do this I got an error message and went back to the home page and was surprised to see it say my account was suspended. I then tried to contact venmo via phone. When I finally got thru to a agent I was told this could days if not weeks to receive notification of why the account was suspended let alone until the account was unfrozen. I then went to chat and eventually was told the same thing. I have still not received any notification of why it was suspended or a projected timeline of when my funds would be released. Regardless to say Im very irritated as the tickets will cost more now as we approach the date of departure. Plus as with all the stories I heard between my friend and I could be out over XXXX XXXX dollars. Thanks Venmo. I guess Ill stick to other services.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
On XX/XX/XXXX I noticed some fraudulent activity and contacted Citibank about several XXXX transfers that were made from my checking account and savings account. An unknown perpetrator had gained access to my email account, changed my Citi online password ( attached : password change email screenshot ), and transferred approximately {$33000.00} out of my account to unknown parties. I also believe that the person or persons had cloned my phone and had access to information on it. 

Today I was informed that Citi reached a decision on XX/XX/XXXX and claimed that since these transactions were made using my online account that they will not be reimbursing me for the stolen money for the disputes ( reference numbers : XXXX, XXXX and XXXX ) Today XX/XX/XXXX I called Citi and spoke with a fraud representative that also confirmed the activity was fraud and that I should have been given my money back. I faxed a letter to Citi appealing their decision and providing more information to support my case. I also reopened the fraud dispute cases ( new reference numbers : XXXX, XXXX, XXXX ) I have had an extremely poor experience with Citibank 's handling of this whole matter. I have been a loyal customer for XXXX XXXX and when I need Citi 's protection from fraud, they are siding with the perpetrator and letting them have my hard-earned money. I have spoken to over 10 representatives at Citi, been transferred around numerous times with most of the reps having little to no information, and they simply pass me off to the next person. They will not let me speak with the person that actually investigated the case so I can provide information to them directly. It seems like I have no recourse, my money has been stolen and Citibank doesn't seem to care at all about its customers. If it was a small amount, I would just forget it but this is literally my entire checking and savings balance. I will be in an extremely difficult financial position without this money. Furthermore, it is easy to see that I would not, myself, XXXX away over {$30000.00} in one day on a whim. This is a clear case of fraud and Citibank is not doing anything to make it right when it is evident that a mistake was made in deciding this case. 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