vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: AMERICAN EXPRESS COMPANY
State: NV

Complaint narrative:
On XX/XX/year> or thereabouts, I made by mistake a payment of {$5400.00} to my American Express credit card account. When I realized this erroneous payment, I immediately contacted American Express customer service and asked that my money be returned to my bank account by wire or ACH. I was told that policy did not allow that and that I would be issued a refund check with an explanation letter. This check was to arrive within XXXX business days. On XX/XX/XXXX my account reflected a credit of {$5400.00}, since my balance at this time was {$0.00}. 
I regularly monitored my mail but no check ever arrived. I then contacted American Express customer service again on XX/XX/XXXX and I landed in the XXXX. The first representative was totally incompetent lying to me by stating that a wire had been sent to my account ( false ) and that the check was sent ( dubious ). I then demanded to be connected to a supervisor. This individual was more knowledgeable and agreed that the situation was not acceptable. He told me that they would immediately cancelled the check and reissue a new one. I emphatically refused and demanded that the payment be made by wire or ACH. After some arguing, the supervisor agreed to a wire and I communicated to him my relevant bank information. I was assured that the wire has been approved ( a stark departure from the original statement of NOT POSSIBLE ). It was being processed and would take about 3 days to reach me. On XX/XX/year> with no sign of the wire, I again contacted American Express customer service and landed this time in XXXX. I immediately demanded to talk to a US-based representative. This was done after some arguing. The US-based representative had ready access to the file and fully understood all outstanding issues. He stammered that the wire has been processed on XX/XX/XXXX, an obvious lie - again - since the money should have already been in my account by that time. 
On XX/XX/XXXX, I called again American Express seeing that no money had yet been transferred to my account. The US representative shared with me that the wire transfer was not approved. Another blatant lie from what was told to me previously. And once again, a check was allegedly being sent. 
It is painfully obvious that American Express has been doing everything possible to keep my money for more than XXXX month without my agreement or any compensation. This is purely a willful fraudulent behavior and should be severely punished.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Allied Collection Services, Inc. (Nevada)
State: NV

Complaint narrative:
On XX/XX/XXXX I have dispute a collection account on my credit report with XXXX XXXX XXXX IM NOT LIABLE FOR This debt REQUEST TO HAVE THIS ACCOUNT REMOVED FROM MY CREDIT REPORT. REASON DIDN'T PROVIDE ORIGINAL CONTRACT WITH MY SIGNATURE. REQUESTING TO REMOVED FROM MY CREDIT REPORT.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Private mortgage insurance (PMI)
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
Hello, This is XXXX XXXX, using XXXX acct due to the same email address, I am on the loan. 

I am trying to get the PMI remove from mortgage payment and the lender Lakeview is being difficult. They want me to pay for a XXXX, which I am a realtor and already paid for one a couple of years ago. The value of the properties around mine have gone up tremendously as shown by the attached XXXX report. We bought in the community early and the same floor plan with similar features have some by the builder at {$150000.00} to almost {$200000.00} above what we paid for it ( see attached job order summary lot # XXXX ). For the past 2 years properties sold after my home were sold much higher prices, over the 20 % higher than what I paid. The report includes a XXXX and report of home prices sold that are much higher than my home by the builder and also resales for the last year. Also in the attached report, I have included solicitation from my lender about the equity value of my home and I should refinance or get a HELOC. They literally show the equity value of my home as it has been growing! The Lender is obligated by regulations to drop the PMI on a home when its value is greater than 22 % of the loan amount. They have rejected my request 2x despite growing values they, themselves have determine for my home.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I respectfully request that these false accounts be deleted from my credit report as I never authorized their inclusion there. You need to remove this incorrect information from my files right away. Kindly remove and block.

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 2024-08-02 00:00:00
Product: Credit reporting 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:
Subject : Complaint Against Credit Bureau for Failure to Reinvestigate and Remove Inaccurate Information To Whom It May Concern, I am writing to file a formal complaint against [ EXPERIAN ] for their failure to properly reinvestigate and remove a late payment entry from my credit report. This entry pertains to my account with XXXX XXXX XXXX XXXX In accordance with 15 USC 1666 ( b ) and 15 USC 1681 ( a ) ( 2 ) ( A ), I disputed the accuracy of this late payment with the credit bureau, as I believe it to be incorrect. Despite my initial dispute and providing supporting documentation, the credit bureau has failed to conduct a proper reinvestigation as required by law. The erroneous late payment entry continues to appear on my credit report, negatively affecting my credit score and financial standing. 
I request that the Consumer Financial Protection Bureau take immediate action to investigate this matter and ensure that the credit bureau complies with its legal obligations. Please acknowledge receipt of this complaint and inform me of any further actions or information required from my side. Thank you for your attention to this matter.

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
Could you please take a moment to review and examine the attached documents? I believe your expertise will be invaluable in ensuring their accuracy and completeness. Your feedback and insights would be greatly appreciated. Thank you for your time and consideration in this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX 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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
I attempted to place a credit freeze online but was unable to do so. I would like to request a security freeze on my credit file effective today in accordance with Section 605A of the Fair Credit Reporting Act ( FCRA ) ( 15 U.S.C. 1681c-1 ) Name : XXXX XXXX XXXX XXXX : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting 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: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I opened an account at Citibank. I made deposits from my other bank account at XXXX. Citibank suspected fraud. they called me and we called XXXX and confirmed that it was my account and that there wasn't any fraud. Citibank closed my account anyway. However, they did not return the funds in the account. I called and chatted several times and was told it takes XXXX days to get the funds. I started asking after XX/XX/XXXX. I was told several times that i didn't have any funds to get even though my ending statement showed {$490.00}. I spoke to the fraud department who finally confirmed that yes i do have funds and they would put a rush on getting me my money. That was on XXXX. On XX/XX/XXXX I called back and was told that they see the request for funds and that they would make sure I got my money. I called back on XX/XX/XXXX and was told they had 30 days from the day it was closed by fraud ( XX/XX/XXXX ) to get me my money. Today is XX/XX/XXXX and I still haven't received my money. I called again, spoke to XXXX people in fraud who said there hasn't been any updates on sending my money and they would send emails. I told them it was unacceptable and to let me talk to the department that handles that and they told me they dont have any phone calls to them. They are stealing my money and are making no effort to return it to me. I am attaching the last XXXX statements. You can see on XX/XX/XXXX the money in my account was " withdrawn '' but nothing has been sent to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft.

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to express my deep concern regarding several disputed accounts on my credit report. I have repeatedly raised the issue of inaccuracies in these accounts and have consistently requested thorough investigations. Despite my efforts, I have yet to receive any resolution or corrective action. 

These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. 

I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I XXXX regain control over my financial well-being. 

I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. 

Thank you in advance for your understanding and assistance.

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 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX, AZ XXXX XX/XX/XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX, IA XXXX Subject : Complaint against Citibank - XXXX to Access Account Dear Sir/Madam, I am writing to file a formal complaint against Citibank regarding their failure XXXX provide me access to my account, which contains a significant balance of approximately {$30000.00}. 

I have been a Citibank customer for over a decade, but have lived outside the United States for the past 10 years. Upon my return to the XXXX, I have encountered persistent difficulties in accessing my account : XXXX. In XX/XX/XXXX, I attempted to access my account online but was unable to do so due to forgotten credentials. 

XXXX. On XX/XX/XXXX, I visited a Citibank branch in New York. I met with a representative named XXXX XXXX, who updated my information in their system and spoke with the fraud department to verify my identity. I provided my debit card and passport as identification. 

XXXX. Despite this in-person verification, I remain unable to access my account. 

XXXX. I have updated my XXXX information with my married name, new address, and new phone number. I have also updated my records with the Department XXXX XXXX XXXX. 

5. I have made numerous attempts ( approximately 10 ) to contact Citibank 's fraud department. They consistently ask for a phone number associated with the account, which I can not provide as it's from over 10 years ago. When I explain my situation, they refuse to help and terminate the call.

6. I have requested alternative methods to verify my identity, such as using my SSN or passport, but these requests have been ignored.

7. I have filed online complaints and even received a call from a Citigroup representative, but they were unable to assist me.

XXXX. There are no Citibank branches in Arizona where I currently reside, making it impossible for me to resolve this in person without significant travel. 

This situation has caused me considerable stress and inconvenience. I am unable to access my own funds, which amount to a significant sum of {$30000.00}. I have been diligent in my attempts to resolve this issue directly with Citibank, but their lack of flexibility and customer service has left me with no choice but to seek external assistance. 

I kindly request the CFPB to intervene and mediate this situation with Citibank. My desired outcome is to regain full access to my account and funds. I ask that this matter be resolved within 5 business days given the urgency of the situation and the amount of money involved. 

Thank you for your attention to this matter. I look forward to your prompt assistance in resolving this issue. 

Sincerely, XXXX XXXX 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 2024-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Chime Financial Inc
State: IL

Complaint narrative:
Constant overdraft fees and charges every month on the account

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY
State: NC

Complaint narrative:
I went into a TD branch to open a new checking account. While there, the banker showed me promotional offers for Credit Cards, one of which was the TD Cash Credit card with a promotional offer of XXXX $ after XXXX $ of spend. I decided to sign up for that card. This was on XXXX, XXXX of 2024 on which I signed up. I then called in a month later, to see the status of the promotional offer. The rep on the phone stated that there was only the XXXX $ for XXXX $ spend which they saw in their systems, and when I went into the branch they told me the same. This is on XXXX which I went in.

Company response to consumer: Closed with monetary relief