vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-27 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Problem with the payoff process at the end of the loan — 
Company: National Credit Adjusters, LLC
State: DC

Complaint narrative:
The online payday loan was originally taken out in XXXX ( XXXX XXXX + XXXX XXXX ). I had lost my job at the time and didn't have employment for months ( until the end of XXXX ), so I was unable to pay them back. There was no fraud or bad checks written. In that time, the loan was passed off to a collections agency that has used illegal practices. Keep in mind, this is all past the statute of limitations for credit collections and this debt is NO LONGER on my credit report. I will attach a copy, so that CFPB can see I'm being harassed about a debt that's no longer on my credit report. 

The collections company called my cell phone via their number XXXX on XX/XX/XXXX. They NEVER stated the name of their company. When I asked for verification of the debt in written form, I was threatened with them contacting my job, and said I committed fraud by writing a bad check. They ultimately refused to send me a written verification of debt and stated the only written verification of debt that they would send me is a subpoena. I made them aware of the fact that I live in the District of Columbia and it is illegal to harass or threaten consumers under Law # 28-3814, and blocked the number to prevent future harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: TRUIST FINANCIAL CORPORATION
State: MA

Complaint narrative:
I had a bank account at Suntrust for many years without any monthly maintenance fees. A couple of years ago, this bank was bought by Truist Bank. Starting last fall, they started charging me a monthly maintenance charge of {$25.00} without notifying me. I found out after they charged me for 7 months - for a total of {$170.00}! 

They did not notify me about these charges. They only offered me to refund {$75.00}, which is still not fair. They should not have made the unauthorized charges. They should have notified me about these pending charges and offered me an alternative type of account that has no maintenance fees- like I had at Suntrust for many years. 

If they refund me {$75.00}, they still owe me {$100.00}.

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 2023-03-27 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: AK

Complaint narrative:
XX/XX/2023 I requested help canceling outgoing funds transfers of {$1500.00}, $ {$1200.00}, and {$1200.00} that were sent as part of a scam from XXXX. This company was Chime banking. I was told it was not possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: EQUIFAX, INC.
State: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Private student loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Navient Solutions, LLC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX  Account Navient # 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 : It also states a consumer reporting agency can not furnish account without my written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A. Section : It also states a consumer reporting agency can not furnish account without my written consent.

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 2023-03-27 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: Rent Recovery Solutions
State: NE

Complaint narrative:
My Fianc and I were both named on an illegal collection attempt by Rent Recovery Solutions on behalf of XXXX XXXX. This is an attempt to collect an invalid debt, originally requested by XXXXXXXX XXXX ( Not XXXX  XXXX, as reported on our credit reports ) in the amount of {$570.00} for various fees and alleged damages to a rental unit. 

As is standard by Nebraska Tenant Law, specifically Nebraska Revised Statute 76-1416 which states exactly : ( 2 ) Upon termination of the tenancy, property or money held by the landlord as prepaid rent and security may be applied to the payment of rent and the amount of damages which the landlord has suffered by reason of the tenant 's noncompliance with the rental agreement or section 76-1421. 

We had paid a {$500.00} Pet Fee ( non-refundable ) and a {$500.00} security deposit for this apartment.

The {$570.00} was claimed owed in excess of the security deposit.

No receipts were ever provided by the original leasor after repeated attempts to get this information from XXXX XXXX. According to Nebraska Law, money withheld from rent and security must be applied to the amount of damages the Landlord suffered, but no proof of such suffering was ever provided, as was our legal right. 

This has already been removed from both of our XXXX reports, my fianc 's XXXX Report ( Mine is still under review, but it is the same debt and the same justification ), but yet, XXXX has deemed that the debt is valid, despite the illegalities stated above with the debt collection itself and the original justification for the debt. 

This debt is not legal, this debt is not valid under Nebraska Law. If it was valid, they would have simply taken us to court for the sum. Instead, they threaten our credit and submit our debt to XXXX AFTER our disputes with XXXX and XXXX were opened, in a clear case of retaliation. 

If two credit unions ( XXXX and XXXX ) have already deemed this justification sufficient and removed the accounts from the credit reports, why then does XXXX see differently? 

No justification was provided from Rent Recovery Solutions at any point when we requested, via certified mail, documentation for proof of debt. Rent Recovery Solutions responded to this request but failed to provide ANY documentation. We have a legal right to obtain such documentation. They have continually failed to submit accurate information ( in the case of the original alleged debtor name, XXXX XXXX not XXXX XXXX ), have not obeyed the Fair Debt Collection Practices Act by failing to provide us with the documentation and proof of debt requested. This debt is not legal under Nebraska Law and they have failed to follow the law in regards to the information we have requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Contacted your employer
Company: Sequium Asset Solutions, LLC
State: VA

Complaint narrative:
Sequium contacted my previous employer via email and included details about the alleged debt. This contact was also not in compliance because it's main purpose wasn't to contact me or get contact information. Sequium violated the law. They have a legal obligation not to give out detail information about why they're contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 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: WI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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 2023-03-27 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 : # 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 explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: EQUIFAX, INC.
State: MO

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, XXXX  : # XXXX, XXXX XXXX  : # XXXX, XXXX XXXX XXXX XXXXXXXX : # XXXX, XXXX XXXX XXXX : # XXXX, XXXX XXXX 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 response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I have a Best Buy Rewards Visa card issued by Citi. This card has a very high interest rate XXXX APR, and the rewards certificate issued by Best Buy for using their card, expires after a certain period of time, and can only be used at Best Buy. 

The reason for my complaint is the fact that they purposely allowed me use {$610.00} over my credit limit without my consent, and then they billed me a very high minimum payment amount, plus interest. 
In XXXX my minimum payment was {$970.00}. When I called Customer service to inquire why my minimum payment was that high, she told me that I went over my credit limit. I said to her that card are supposed to decline when a customer goes of credit limit. She answered that " we allow you to go over your credit limit because we don't want to embarrass you by declining the charge ''. I could not pay the {$970.00}, I paid {$500.00}, which satisfied my minimum payment minus over the credit limit. 

In XXXX my minimum payment again was {$740.00}, to which I paid a total of {$530.00}, of which they charged {$250.00} on interest. I spoke to customer service again to complain, and nothing was done. The over the limit was reported to the credit bureau which has affected by credit score. 

Credit card companies should not allow one to exceed their credit limit without one 's consent, there should be an option for XXXX to opt in or out. The Best Buy credit card is a complete rip off.

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 2023-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Caliber Home Loans, Inc.
State: KY

Complaint narrative:
Beginning in early XX/XX/2023 I requested via phone to start the process to have my PMI removed. Over 3 months later, it still has not been removed. Caliber 's own process was to get an automated value, which I paid for as soon as instructed. The value came back at {$710000.00}. My balance at the time of the request was {$480000.00}. This yields a loan to value of 67.7 % which is well below the legal requirement of 75 % or less. I had paid 24 months of consecutive on time payments at that time ( and all payments since ). The Homeowner 's Protection Act requires the PMI be removed if requested after 24 months of on-time payments and if at an LTV of 75 % or less. However, Caliber keeps sending me letters saying the value isn't sufficient and they need another appraisal in order to determine if it can be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act 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 : States a consumer reporting agency can not furnish a account without written consent.

It is reporting stuff that is hurting my credit reputation!

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 2023-03-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
I paid for flood insurance in timely way and provided proof of coverage to Webster Bank as requested. They nonetheless charged me for forced placement and disbursed from my escrow account payment for an additional flood insurance policy more than twice as expensive with no authorization from me or legal justification. 

Here are the relevant dates : Purchased Flood Insurance on XX/XX/XXXX for {$1000.00} ( canceled check attached ) ; Provided Webster Bank proof of coverage on XX/XX/XXXX ( copy of email communication to Webster Bank attached ) ; Webster Bank  disbursed from the escrow account in connection with my mortgage forced placement of an additional flood insurance policy for {$2200.00} ( mortgage statement attached ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: NY

Complaint narrative:
On XX/XX/2023, I went to a chase ATM to deposit cash, I submitted {$2200.00} dollars all in {$100.00} bills when the ATM swallowed my money and said that an error occurred and that I need to contact the phone number provided on the screen. I called that number while I was in front of the ATM and submitted my claim information in regards to the atm machine, time and all the information they requested. I did not get a receipt from the ATM with the amount i deposited and chase just gave me a claim number. Yesterday when it was one month, chase took {$1100.00} from my checking bank account and therefore I called them and they said there is nothing they can do as they only found {$1000.00} in the atm, now my checking account is on negative and I have no answer on when is my money going to be returned or what can be done in order to solve this issue. They closed my claim yesterday.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I used my card to make a purchase. It was then declined. I called to verify my identity only to be told that the phone number that I used to open my citi credit card can not be used to verify my identity. Then after speaking to numerous representatives I was told that I can not verify who I am over the phone and would have to wait for a letter to come in the mail just to verify who I am. I told the representative this is a tedious process and it is hindering my use of the funds avaliable on the card. I feel like I am getting no help at all from citi bank and this is something that should be legally addressed.

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 2023-03-27 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: MI

Complaint narrative:
I am XXXX XXXX, and Im submitting this complaint myself and there is no third party involved. I attached letters to let you know more in detail about what they are reporting in my credit report. They reported inaccurate information in my credit report with inconsistent and untimely dates reported across the three Bureaus, Transunion, XXXX, and 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 2023-03-27 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: OH

Complaint narrative:
I have contacted the 3 credit bureaus concerning late payments placed on my account from XXXX XXXX loan # XXXX. I was not late on my payments. I disputed with XXXX via mail XXXX. I requested XXXX send me proof of late payments and I was sent documents that did not clearly show a payment as late. I asked XXXX to remove these items and they say that they can not assist me in removing any negative reporting. All 3 credit reporting bureaus state they have verified but are not providing proof of such verifications. I have request multiple times over multiple 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 2023-03-27 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: PA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of Accounts in my letter has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 or 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 cosumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccuarate.

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