vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I am writing to formally request clarification and resolution regarding a {$300.00} bonus I was eligible to receive after opening a Citibank checking account on XX/XX/. According to the terms of the promotion, I was required to meet a threshold of {$1500.00} in enhanced direct deposits, which I have since fulfilled. 

Despite meeting these requirements, I have encountered conflicting information through your support team via chat regarding the status of this bonus. Some representatives have given me unclear or inconsistent timelines, leaving me uncertain as to when I will receive the bonus, or whether I will receive it at all. 

I kindly ask that you review my account and expedite the disbursement of the {$300.00} bonus I am entitled to. I have fully complied with the promotional terms, and I would greatly appreciate receiving the bonus as soon as possible. 

When I attempted to clarify this matter with your support chat, I was instructed that I was required to deposit {$3000.00} in order to receive a bonus. This is not at all what the offer page on the website said. 

Please respond at your earliest convenience to confirm the status of my bonus and provide an expected timeline for when it will be credited to my 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 2024-09-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NCB Management Services Inc.
State: WA

Complaint narrative:
I don't recall having a contractual relationship with this collection company. Please give proof that this account belongs on my credit report and that my rights have not been infringed upon ; otherwise, terminate this account immediately. In compliance to 15 U.S. Code 1692e ( 6 ) Debt collectors are legally obligated to adhere to 15 U.S. Code 1692e ( 6 ), which forbids them from providing false information or insinuating inaccuracies about the nature, amount, or legal standing of a debt. It is against the law to make deceptive statements or misrepresentations concerning the debt being pursued for collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: AL

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by XXXX parties, and I did not participate in any of it. More so they didn't follow the proper XXXX step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX dollars per violation and clearly, they violated my rights.

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 2024-09-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I don't think you understand how miserable it already is to live with so much stress, and these inaccuracies adding up to such stress is giving me the worst possible nightmares I have ever had in life. I don't know for how long this will continue considering for the past two months, I have consistently reached out to your company about this matter and I haven't gotten any response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: Experian Information Solutions Inc.
State: TX

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 account listed without my expressed 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 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I signed up for a Citi Best Buy credit card with promotional terms 10 % off first purchase XXXX XXXX XXXX XXXX  I purchased with credit card using signup link on first purchase, first day, meeting all terms. Best Buy Support has confirmed this : " Thank you for the details, XXXX. I have checked and see that your purchase is eligible for 10 % cash reward points. And you have received XXXX reward points for your purchase, and it will be posted on your account by XX/XX/year> so that you can be able to use the points for your further purchases. Apart from this Is there anything else I can help you with? '' The 10 % bonus was not granted, instead it was XXXX points which is ordinary points for the card ( 5 % of {$700.00} ). An attempt was made over the phone to remediate with no success.

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 2024-09-23 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: MI

Complaint narrative:
AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: Experian Information Solutions Inc.
State: MI

Complaint narrative:
AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-23 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
This morning, I saw unauthorized inquiries on my credit report and have no clue where they came from. I regularly check my report, but today I noticed some discrepancies that seem to have appeared out of the blue. Even after refreshing my browser, nothing changed. The inquiries stayed. Because of this, Im requesting a thorough review of the documents I've submitted, so I no longer have to worry about this happening.

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 2024-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I understand the importance of removing any incorrect information from my credit report according to FCRA 605B. Could you please review the attached documents? I've observed discrepancies in several accounts, which is quite concerning 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 non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I paid off the balance for a credit card with PNC bank in XXXX. They would then lock me out of my account and leave no XXXX to get a hold of a human to get it unlocked. Today they would sent an email saying I need to make a XXXX dollar payment. I would call the number for assistance and all they did was try and get me to pay XXXX dollars. They would not fix the account or tell me what it is for.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: NAVY FEDERAL CREDIT UNION
State: AZ

Complaint narrative:
I am filing this complaint against Navy Federal Credit Union for mishandling my auto loan, unlawfully releasing the vehicle title without notification, and inaccurately reporting the loan on my credit report. The relevant details are as follows : Title Release Without Notification : Navy Federal Credit Union released the title of my vehicle to the State of Arizona without notifying me or providing any explanation. They claimed the title was released due to a mechanics lien, but a supervisor later admitted that no documentation of a lien exists. This action resulted in the loss of my vehicle, which served as collateral for the loan, violating federal guidelines that require proper communication and notice to borrowers under the Truth in Lending Act ( TILA ) and 15 U.S. Code 1637.

Failure to Notify : Under the Fair Credit Reporting Act ( FCRA ), creditors are obligated to provide timely and accurate notifications about significant loan changes, especially when collateral is involved. XXXX XXXX did not notify me of the title release or provide any opportunity to remedy the situation, as required under federal law.

Inaccurate Credit Reporting : Despite releasing the title and no longer having collateral, Navy Federal continues to report this as a secured auto loan on my credit report. This is misleading and a violation of the FCRA, as the loan no longer has the collateral tied to it.

Unprofessional Conduct : When I attempted to resolve this issue, a Navy Federal supervisor admitted they had no documentation of a mechanics lien and then abruptly ended the call, refusing further communication.

I request that Navy Federal correct the misreporting on my credit report, provide a written explanation and documentation for the title release, and remedy the loan issue since they no longer hold collateral. Additionally, I am seeking damages for the loss of my vehicle and the mishandling of the loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I couldnt believe it when I saw inaccurate accounts on my credit report this morning. It made no sense, especially since I review my report regularly. This time, there were sudden discrepancies, and even after refreshing my browser, the accounts didn't disappear. I need the documents Ive provided to be thoroughly checked, so I never have to experience this frustration again.

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 2024-09-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Opening an account — Didn't receive terms that were advertised
Company: CITIZENS FINANCIAL GROUP, INC.
State: MA

Complaint narrative:
I opened checking and savings accounts with Citizens Bank on XX/XX/year>, as part of a promotion that offered a {$600.00} bonus ( {$300.00} for each account ) if I met certain terms ( outlined in the attached promotion ). I have fulfilled all the requirements for both accounts, but I have only received the {$300.00} for the checking account. The additional {$300.00} for the savings account remains unpaid, despite my meeting the promotion terms, which require at least one single deposit of {$500.00} or multiple deposits totaling {$500.00} into the new savings account every month for three consecutive months. As evidenced by the attached bank statement, I have met this requirement. However, despite multiple attempts to resolve the issue, Citizens customer representatives have refused to honor the opening bonus for my savings account.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Atlanticus Services Corporation
State: FL

Complaint narrative:
I am writing to request validation of the debt referenced in your recent communication. According to the Fair Debt Collection Practices Act, I am entitled to request verification of the debt you claim I owe. 

Please provide the following information : The amount of the debt. 
The name of the original creditor. 
Documentation that proves I am legally obligated to pay this debt. 
Any additional information that verifies the debt 's validity. 
Please consider this letter a formal request to cease collection efforts until the debt is validated. I look forward to your prompt response. 

Thank you for your attention to this matter. 

Sincerely, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. PLEASE SEE ATTACHED LETTERS.

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 2024-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I want to stress that I did not give written permission for these specific transactions to be included in my consumer report. At no point did I authorize these entries, and their presence on my report is unwarranted. Consequently, I am formally requesting that these accounts be blocked and removed from my report immediately. 

It is important to clarify that this request is not due to any error or negligence on my part. There has been no oversight or misunderstanding on my end. Instead, this issue arises solely from the fact that I did not explicitly authorize the inclusion of these transactions in my report. I am diligent about maintaining the accuracy and privacy of my financial records, and these unauthorized entries compromise that integrity. 

I trust that you will handle this matter with the urgency and seriousness it deserves. Please confirm the removal of these transactions from my report as soon as possible. Thank you for your prompt attention to this issue.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-23 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: Mr. Cooper Group Inc.
State: VA

Complaint narrative:
My mortgage was being serviced by XXXX XXXX XXXX XXXX. On or about XX/XX/year> the loan was sold to XXXX XXXX. During the period of transition I sent my regular mortgage payment on time and the bank misapplied the payment to principal without my consent. I have been sending additional {$1000.00} a month payments to principal for a year and they were never applying those payments to principal, despite the fact that I was putting the words " Additional to Principal '' in the memo section of the check. They were putting them in a suspense account. After calling several times, they said that they applied those payments to principal. When the account was transferred to XXXX XXXX, I started getting mortgage statements that showed I was one month behind. That caused me tremendous anguish and I started calling the servicer to request an explanation. After calling numerous times with no logical explanation received from them, I requested to speak to a supervisor and the representative finally told me that the reason they were showing a month behind, was because the prior servicer applied my last payment ( that was my regular mortgage amount ) to principal. The lady told me there was nothing she can do and that I needed to just make another payment. I told her I do not have {$6000.00} hanging around to just make an additional payment. I have a budget, and I made my payment on time, so I needed them to rectify the situation on their end. She replied saying they could not do that. I requested a payment history and she emailed me right away 3 documents that are not legible. I am currently applying for a mortgage to buy a principal residence and when the loan officer saw my mortgage statement that showed I am behind a month, he told me he can not submit that because I would be denied. I have spoke to cpuple of attorneys to see if I can initiate a suit against this lender, but no one seems to want to take my case. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-23 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX XXXX has violated my rights. 15 USC 1681 section 602 states I have a right to privacy. 15 USC 1681 section 604 section2 also states a consumer reporting agency can not furnish an account without my written instructions. 15 US Code 1681a ; Definitions ; rules of construction-exclusion- except as provided in paragraph the term " consumer report '' does not include any report containing information solely as to transactions or experiences between the consumer and the person making the report ; 15 USC 1666B ; A creditor may not treat a payment on a credit card/ loan 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 non-monetary relief