vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: CITIBANK, N.A.
State: IA

Complaint narrative:
Citibank makes it incredibly easy to sign up for checking and or savings account. You can do so online without ever talking to a person. If you want to cancel your account they make it incredibly difficult. There is no way to cancel online. You must call their customer service line. That customer service rep will request you give them your security word. I have no recollection of ever filling out a security word for my account and am usually very good about keeping those sorts of things. A XXXX search suggested that XXXX only has you select a security word for accounts that have credit cards. They also requested my card number, but I was never issued a card for my account ( no debit or credit card ). When I searched online on Citi 's webpage and app, there was no way to look up my security word and when I clicked on a link in their " FAQ '' that said " Forgot Security Word '' the link opened to a page not found notice. 

I asked for assistance and the first customer service person hung up on me. The second one was more helpful ( because I stated I intended to file a complaint with the CFPB ) and stated the only way I could close my account was to go to a branch. I asked her where the closest branch was from my city ( XXXX  XXXX XXXX ), knowing the closest branch was hundreds of miles away. She was unable to answer and said I needed to send them a letter and she was going to give me a mailing address. I asked to speak to her supervisor. 

Her supervisor was able to send me a text message to authenticate my identity and then stated he submitted an application to cancel my account. This shows the bank CAN cancel accounts over the phone without a security word or debit card number ( both of which I do not believe ever existed for this account ), but they make it very difficult to do so. Most consumers can not aggressively advocate on their own behalf and had I not been aggressive, they would not have canceled my account- and eventually would have started charging fees on my checking account. There is no way to change or look up the security word and they stated they couldn't issue me a debit card without the security word. As a result, I was going to be forced to drive hundreds of miles to the nearest branch just to close an account. 

I agree with the FTC that it should be as easy to cancel something as it is to sign up for it. The barriers Citi has placed in the way of canceling accounts are intentionally designed to stop people from canceling, so that they can continue to collect fees and keep money in their bank.

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 2024-08-26 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: OH

Complaint narrative:
Mohela illegally and without my authorization put my student loans into forbearance. 
This is due to some Fed decision about the SAVE program, but regardless, this forbearance is illegal and without my authorization! 
I tried to sign up for a different payment plan but I can not do that without calling them ( and not having any documentation about whatever nonsense they try to claim this time ). 
Forced forbearances is why the US AG sued the loan companies XXXX  years ago. They may change their name every other week, but it's all the same company with the same underhanded and illegal methods to XXXX XXXX  students. 
I contacted them on XX/XX/XXXX but I have not received anything back even though the Mohela website says 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 2024-08-26 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I use Bank of America 's autopay system for a credit card that I have open with them. I set up autopay years ago on this card. Recently, their Autopay system did not pay my card off because the balance was over a limit that had been set in their Autopay system. I never set any sort of Autopay limit on this card, so this issue is a technical error caused by BoA. When I called BoA about this, they immediately took the interest payments and late fees off of my account, and I paid the actual balance that was owed, but they have been slow moving/have not yet taken the reported late payments off of my credit report. I have been trying to work with them to take back the late payments that they reported to the credit agencies. I submitted my first inquiry with BoA on XX/XX/XXXX and it was denied < XXXX hours later on XX/XX/XXXX with no explanation. So, I submitted a second escalation/inquiry to BoA on XX/XX/XXXX and have not heard back yet. At this point, I consider this a fraudulent situation by BoA. They have already acknowledged that this was an issue from their end and taken off the fees/payments, but are refusing to take the late payments off of my credit reported to the agencies, and therefore are holding my credit score down for an unreasonable amount of time after the issue was reported to them. I have had to spend hours on the phone trying to resolve this. They are not providing a reasonable avenue to resolve this issue, are not providing reasonable documentation, and are not resolving the issue in a timely manner. This is fraud and is unacceptable. Please help me resolve this issue.

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 2024-08-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-26 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:
My credit reports are inaccurate. These inaccuracies are causing creditors to deny me credit. You have the duty to report accurate information about consumers. Please investigate these accounts and inquires and update these accounts accordingly to avoid future litigation.

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 2024-08-26 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: MORGAN STANLEY & CO. LLC
State: CA

Complaint narrative:
I authorized ACH transfers from my account. The bank entered two of those transfers twice resulting in an artificially low balance in my account. Later transfers and payments would thus be declined as insufficient funds were reflected in the account for such payments, all resulting in fees/penalties from the payees.

The bank stated that it was aware of the issue and was trying to address it, but could not say when it would be solved and would not take any action to specifically address the deficiency in my account or prevent the consequences. 

The bank told me I should put more money in the account to cover the pending payments that would otherwise be rejected due to the artificially low balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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: TX

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 non-monetary relief
Consumer complaint received 2024-08-26 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: PA

Complaint narrative:
I am writing to urgently follow up on my previous complaints regarding inaccurate and unauthorized negative accounts on my credit report. Despite my repeated requests for their removal, these items remain unresolved. This situation is unacceptable and reflects poorly on your agency 's compliance with legal obligations under the Fair Credit Reporting Act ( FCRA ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: PA

Complaint narrative:
I am writing to urgently follow up on my previous complaints regarding inaccurate and unauthorized negative accounts on my credit report. Despite my repeated requests for their removal, these items remain unresolved. This situation is unacceptable and reflects poorly on your agency 's compliance with legal obligations under the Fair Credit Reporting Act ( FCRA ).

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 2024-08-26 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:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous 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 2024-08-26 00:00:00
Product: Debt or credit management — Debt settlement
Issue: Confusing or missing disclosures — 
Company: Consumer Financial Services Solutions, Inc.
State: WI

Complaint narrative:
In XXXX of XXXX  I began work with Beyond Finance to address some of my credit card debt and had careful conversations about which accounts to include, as I didn't want this adversely affecting any accounts that my husband held. When they contacted XXXX XXXX  using their correspondence showing power of attorney, they simply provided my social security number and this triggered XXXX XXXX  to immediately close all credit accounts including my husband 's business credit card ( which I am not attached to ) and a personal joint credit card that had accumulated {$11000.00} in rewards points which were immediately cancelled and the accounts were permanently closed on Tuesday XX/XX/XXXX. 

Beyond Finance assured me in our conversations that only the accounts I identify with them as needing assistance would be affected or impacted by their involvement. They did not share any possibility of other accounts or spousal accounts being impacted in any way. 

Additionally, the only assistance they could provide with this matter was to revoke the power of attorney with XXXX XXXX but they could do nothing to correct the issues that were created by their lack of specificity in dealing with my accounts that I authorized them to address.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: NAVY FEDERAL CREDIT UNION
State: OH

Complaint narrative:
On XX/XX/year> I received a XXXX payment from XXXX XXXX XXXX in the amount of {$100.00}. XXXX XXXX sent the funds via standard delivery which meant that the funds were not going to be received until XX/XX/year>. The payment in the amount of {$100.00} was for the purchase of two tickets for both him and his girlfriend to attend an event that I was hosting on XX/XX/year> in XXXX, XXXX. Because the payment was not going to be received in time of the event I had advised XXXX XXXX that he would need to make a payment at the door for the events and that when his payment which he sent via standard delivery was received on XX/XX/year> that I would refund him the {$100.00} he had paid. XXXX XXXX was not happy about the situation and requested a refund which I obliged to provide but only after the funds were officially received to my account. On XX/XX/year> when the funds were released prior to the original date mentioned I provided XXXX XXXX with the appropriate refund of {$100.00}. This is evidenced via the following XXXX transaction ID 's ( XXXX ; XXXX ). However I had been informed that on XX/XX/year> XXXX XXXX filed a fraudulent scam report stating that I sent funds via XXXX from his account without his authorization. As a result XXXX has blocked my XXXX  account and requested a refund of the funds. My bank processed that particular refund and XXXX XXXX has now been paid on two separate occasions on something he technically should have never received a refund for however I still provided him with one as a courtesy.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: EQUIFAX, INC.
State: VA

Complaint narrative:
EQUIFAX, your company claim to not have processed my dispute due to missing social security card. I've sent my social security card multiple times to EQUIFAX via mail. I will continue to provide what's needed in order for EQUIFAX to comply with the written instructions in my dispute. I demand these unauthorized fraudulent inquiries be removed from my credit report : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Also remove all incorrect derivatives of my name from my credit report and only update my report with XXXX XXXX. Thank you for your attention to this matter.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: FL

Complaint narrative:
On XXXX XXXX I received my credit report from you. It included the following incorrect information : XXXXXXXX XXXX XXXX XXXXXXXX 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.

Report past due when it is closed remove this inaccurate account Delete these accounts immediately, unless you want to be held {$1000.00} per violation A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: IL

Complaint narrative:
I am writing to formally request the removal of several unauthorized accounts and inquiries from my credit report. These accounts and inquiries are not associated with me, and I did not authorize their inclusion on my report. The presence of these inaccuracies is the result of a data breach that has adversely affected my credit standing, leading to a significant drop in my FICO score.

Upon a thorough review of my credit report, I identified multiple accounts and inquiries that I do not recognize or authorize. These inaccuracies have led to negative remarks on my credit report, which are unjustly damaging my credit score and financial reputation.

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of all unauthorized accounts and inquiries.

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 2024-08-26 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Transunion has my account locked-out they will not let me log-in and/or do anything online I am trying to freeze my credit with them I can not get help either thru chat ; online assistance ; or thru the phone keep telling to submit forms which then say " verification failure '' I am being treated unfairly - they have me at their mercy and will not help

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-26 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: MO

Complaint narrative:
I am in complete disbelief, as a law-abiding citizen this is incredibly insulting to have my rights as a consumer violated, there are items on my credit report that have resulted from fraud and I never benefitted from it. I have already reported this to the Federal Trade Commission but they are not removed from my report, this is causing me tremendous 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 2024-08-26 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: FL

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 response to consumer: Closed with explanation
Consumer complaint received 2024-08-26 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:
Please delete these accounts that do not contribute for a good credit standing. Investigate thoroughly and verify the items being reported on my credit.

Company response to consumer: Closed with non-monetary relief