vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-20 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Dear CFPB, I am writing to formally lodge a complaint against Bank of America concerning their handling of an unauthorized transaction on my business checking account. My name is XXXX XXXX, and I have been a customer with Bank of America for 26 years on my personal account and for the past 4 years on my business account. 

Incident Details : Account Type : Business Checking Account Transaction Date : XX/XX/year> Transaction Amount : {$9000.00} Transaction Description : Invoice payment to an unrecognized and unauthorized individual On XX/XX/year>, I reported the unauthorized transaction to Bank of America. I was provided with a claim number and informed that an investigation would be initiated, with necessary paperwork to be mailed to me. However, as of today, XX/XX/year>, I have not received any correspondence regarding this claim. Additionally, there is no information related to this claim available on my Bank of America online banking account.

Despite my repeated follow-up calls to the bank, I have not received any updates or answers regarding the status of my claim. Each time I speak with an associate, they seem to have no knowledge of the situation. This lack of communication and progress is highly concerning and has caused significant distress. 

According to the Electronic Fund Transfer Act ( EFTA ) and Regulation E, the bank is required to investigate and provide provisional credit for unauthorized transactions within 10 business days of the initial report. It has now been over nine days since I reported the unauthorized transaction, and the bank has neither resolved the issue nor provided provisional credit. 

Requested Actions : Immediate investigation and resolution of my claim. 
Provision of {$9000.00} in provisional credit to my business account. 
Assurance of measures being taken by Bank of America to prevent such incidents in the future.

Improved communication and transparency from Bank of America regarding their claims process. 
Enclosed with this email are copies of all relevant documentation, including details of the unauthorized transaction, communications with Bank of America, and any reference numbers provided. 

As a long-standing customer, I am extremely disappointed with the handling of this situation by Bank of America XXXX I trust that the CFPB will take this matter seriously and assist in ensuring that Bank of America complies with federal regulations and resolves this issue promptly and fairly. 

Thank you for your time and assistance. I look forward to your prompt response and resolution of this complaint.

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 2024-06-20 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: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-20 00:00:00
Product: Credit reporting 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: NV

Complaint narrative:
Could you please remove the inquiries reported in my report? I have already filed a dispute letter for them and am seeking a response indicating that you will address these issues.

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 2024-06-20 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: MO

Complaint narrative:
PLEASE BLOCKED AND REMOVED I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-20 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.

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 2024-06-20 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: CO

Complaint narrative:
Complaint : Citibank still withholds my {$10000.00} deposit On XX/XX/year>, when I traveled to New York, I opened a premium account with a deposit of {$30000.00} at a Citibank branch in New York for the high interest rate. And I transferred my {$10000.00} retirement savings in XXXX XXXX  to this newly opened account at Citibank through XXXX from the same name account. 
After I returned to Colorado after my trip, the Citibank security team closed my account, but they did not explain any reason throughout the process. 

It has been more than two months since Citibank closed my account on XX/XX/year>. But they have been withholding my {$10000.00} until now, but they are going to pay me {$0.00} of interest on the principal of {$10000.00}! 

They have been making things difficult for me : Since you suspect that my {$10000.00} principal is illegal, why do you want to remit me {$0.00} of interest on {$10000.00}? Assuming that the principal of {$10000.00} is illegal, then my interest of {$0.00} should also be illegal, which is incredible! Can I think that this is obviously Citibank 's retaliation against me because they are dissatisfied with my first complaint? 

This {$10000.00} remittance is my retirement fund, which I remitted through XXXX from an account with the same name. XXXX only executed my remittance instructions, and I was the one who initiated the remittance. Therefore, XXXX has claimed that it has no obligation and refused to issue a waiver of liability for me, but Citibank has made it difficult for me by requiring a waiver of liability. 

In fact, although I have sent my XXXXXXXX XXXX XXXX  monthly statement to the security team, they did not return my deposit according to the XXXX day processing terms two months after closing my account, and they are still withholding the {$10000.00} deposit.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MN

Complaint narrative:
I have aliases that do not belong to me. My address isnt updated. I contacted XXXX  XXXX and there are cards that are not on my report. And the XXXX account is not mine. My only name should be XXXX XXXX and my address is XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, United States. And my phone number is 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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
I have disputed the date the account was closed with American Express. They have refused to provide a closed date on XXXX and XXXX and is reporting a closed date of XX/XX/year> with XXXX. 

If the closed date is XX/XX/year>, I should have had access to the card as of that date. 

Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 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: IL

Complaint narrative:
I checked my credit report and found this accounts that I am not familiar, I contacted them to have verify this but they just ignore my request they never verify this.

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 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My account with XXXX XXXX XXXX XXXX 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 in XXXX XXXX XXXX XXXX XXXX to be removed. 

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. 


XXXX XXXX XXXX XXXX Never Sent the periodic statement along with the disclosures from section 1637 ( b ).

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! 

Delete the late payments from my consumer reports

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: WI

Complaint narrative:
Please remove all the inaccurate fraudulent accounts as I have no know in any of these. For the company to do what fair and equitable to me as a consumer by removing inaccuracy records on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hi Everyone, I am concerned that no one is helping me and CITI BANK and that others are also dealing with this issue with CITI BANK. I can't even verify at the branch I opened my account with. 

I opened my account in person, was able to verify all of my information, at the CITI BANK - XXXX XXXX XXXX on the XXXX of XX/XX/2024 deposited a check from the United States Treasury Department a Check from the Government. I waited 3 days for the check to deposit. Then I had access for one day after that my account was blocked. I can't see my money, touch my money, or even get answers about my money. My CITI BANK account has been blocked since XX/XX/2024. 

I call CITI BANK and they transfer me to the CITI BANK " FRAUD '' Department. I verify all of my information over the phone as well and they say I would receive a reference number 7 to 10 days. I was told this on XX/XX/2024. I have not received a reference number. I have called multiple times and no one seems to have an answer for me. The call ends in " SORRY TO HEAR THAT BUT YOU HAVE TO WAIT FOR A REFERENCE NUMBER ''. We have exhausted all possible solutions. 

Now I have no Idea who to speak to at CITI BANK or who to go to at CITI BANK. My money is blocked no access. I do not understand how I was able to receive my debt card form CITI BANK and other letter confirming my account from CITI BANK and congratulating me on opening my account from CITI BANK all of these letter were received no later than a week from opening my account but no reference number has been received from CITI BANK. It is now XX/XX/2024. 

A fair solution would be for me go to the bank to verify in person and for CIT BANK to allow me access to my account. I will bring my social security card, My address Verification, my ID, My Birth Certificate, My Passport and any reference Citi bank needs in person to verify. 

The CITI REPS ARE NICE but THE SYSTEM AT CITI BANK does not make sense. 

Anyone would be concerned at this point.

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 2024-06-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Payment process
Company: Freedom Mortgage Company
State: AZ

Complaint narrative:
I currently have a home loan with Freedom Mortgage. I am writing this letter to explain why my XX/XX/2024 mortgage payment was late for 30 days. On XX/XX/XXXX I sat down and scheduled my payment for XXXX. When I went to schedule the payment I noticed under the payment amount : Monthly payment, additional principal and additional escrow with a total on the bottom including the words authorized payment date. Everytime I pay my bills I print out a receipt for my records. After I had printed out my authorized payment I went on with life as usual. 
When I sat down in XXXX to make my payment ; I logged into my account and noticed that I had missed a payment. I immediately picked up my phone and called Freedom mortgage. I spoke with a representative on XX/XX/XXXX and explained that I had made this payment. When I looked at the paper receipt I had printed out I discovered that I scheduled the payment and did not hit the submit button. I told the representative that I had made a clerical error and that I was unaware that this payment had been passed due. I was very concerned that my credit was going to be affected by this and she assured me that Freedom mortgage wouldn't report this on my credit because of the loan being transitioned from XXXX XXXX to Freedom Mortgage. I paid the payment for XXXX right away ( XX/XX/XXXX ) and paid the XXXX payment the very next day ( XX/XX/XXXX ). When my XXXX payment was due I scheduled and proceeded to follow through with hitting submit. I decided to check my credit and noticed that my score went down by XXXX points with a 30 day late notice on my credit report. I called Freedom mortgage and they said there was nothing they could do to change this. 
I did some research and it has led me to believe writing this letter to you explaining what happened would be my only option. I have attached the print out of the scheduled payment that was missed because the window size on my computer was not maximized for me to see the submit button when I went to pay my bill on the XXXX of XXXX. I have worked very, very, very hard to have great credit. I am and have been aware that if I am unable to pay any of my bills the first thing to do is call and speak with lenders on what my options would be. I am able to make payments for our home and other bills. We are not in a financial crisis at the moment. This really hurt my credit and I would like to speak with someone regarding this or some kind of communication regarding this letter. If we need to go on automatic payments in order to reverse the hit on my credit that works for us. Please understand that this was a clerical mistake on my behalf and I had no idea my payment was 30 days late until 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 explanation
Consumer complaint received 2024-06-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
PLEASE BLOCK AND REMOVE I respectfully request the elimination of these incorrect accounts from my credit report, as I never authorized their inclusion. It is crucial that you promptly remove this misleading information from my records.

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 2024-06-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
I am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-20 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: NC

Complaint narrative:
I am writing to follow up on my previous communications regarding the inaccurate entries on my credit file. Despite multiple attempts to request the deletion of these negative entries, I have yet to receive a satisfactory resolution from your end. I find this lack of action both frustrating and concerning.

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 2024-06-20 00:00:00
Product: Credit card — Store credit card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: SYNCHRONY FINANCIAL
State: NV

Complaint narrative:
My friend and I recently went shopping at TJ Maxx XXXX XXXX XXXX XXXX XXXX. While checking out the cashier asked if I would like to join their, and I quote, " membership program ''. Thinking I could earn some points, I gave my information as prompted on the card reader. It was not until my friend came over and informed me I was really signing up for a credit card and if that was what I meant to do. I explained I did not know it was a credit card I was signing up for, I thought it was a store loyalty program, and I wanted to cancel. I asked the cashier to please cancel the application twice and twice she said it was too late and that it technically WAS a membership program. It was very deceptive of the cashier to not mention once that it was a credit card she was asking me to sign up for. I am not experienced in signing up for credit so I was not aware when I was putting in my personal information. I would like others to be aware that employees of TJ Maxx are not forthcoming about credit card offers and will disguise the request as signing up for a " membership/loyalty program ''. Shame on them and now I have to keep open this card so it does not harm my credit.

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