vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on 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 non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I found inaccurate and incorrect data on my credit report and this wrong information should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
I was travelling at the end of XXXX and the payment was due early XXXX. I did not have data access ( just calling ) due to cell service. I called citi and they told me the payment was due XX/XX/XXXX. I logged in and paid the full balance on XX/XX/XXXX. 

On XXXX I find out Citi hit us with a late fee plus residual interest all because the payment date Citi told me was not right. I used Citi 's chat tool to discuss with a person who stated my payment was due on the XXXX, I pointed out I paid on the XXXX and that is exactly what Citi told me on the phone. The rep than changed the date it was due again. Citi is refusing to correct their mistake. XXXX  years with this card and XXXX late payments until now. This one was caused solely by Citi lying about the payment date, if they had told me it was due a different date, I would have paid it a day before that one.

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 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
On XX/XX/XXXX, my credit score was XXXX On XX/XX/XXXX, I was trying to obtain a mortgage and was advised my credit report for equifax showed frozen. I called Equifax they stated my credit file was not frozen. I advised the lender and they obtained the same result. On XX/XX/XXXX, attempted to pull again with the same result. I contacted equifax again and was told they did not have a freeze and there is nothing they can do about this. I was unable to move forward with a mortgage. 

On XX/XX/XXXX, my score finally showed up again as XXXX On XX/XX/XXXX, I went to XXXX XXXX motors to obtain a car loan and they was unable to pull my credit. I called Equifax and was told my file was not frozen. I continued to get denied due to the report stating frozen by the consumer. After 3 hours and multiple calls to equifax I was then told by an equifax rep the name XXXX is shown as my middle name which was never my middle name. XXXX was my last name prior to getting married XX/XX/XXXX. I asked equifax why was that done and they had no explanation. I then advised the dealership and they included the name and my credit file was able to be pulled. Equifax advised me to send proof of identity with the correct name. I sent this information via certified mail. I also sent it by fax and was old it was not clear. I resent the information to equifax and the representative stated that it was able to be read and will be processed. 

When I begin to be frustrated about this my score decreased by XXXX points with no change to my credit file putting me at a XXXX. 

On XX/XX/XXXX, my score dropped XXXX points for paying down a credit card On XX/XX/XXXX, my score dropped 4 points for an inquiry when I was out the country and did not give any permission to have my credit pulled On XX/XX/XXXX, my score dropped another XXXX points with no change giving a score of XXXX It appears that I am being discriminated against by equifax. When I want to obtain credit my file can not be pulled as they continue to use XXXX as my middle name after being proven several times that is not my name however, they continue to decrease my credit score causing me a total of XXXX lost and placing me in another credit category. I have no delinquencies and my score is showing as if I did not pay my bills and Equifax has ignored the issue but rather punish me for being frustrated.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone written consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NC

Complaint narrative:
I received my credit report to find that things were put on my report that was not authorized by me, I didn't give anyone 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 2022-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Celsius US Holding LLC

Complaint narrative:
Celsius held my cryptocurrency, promising interest. They have prevented me from withdrawing my crypto, and have now field for bankruptcy. I was lead to believe that eg : >funds are held by third-party custodians such as XXXX and XXXX. Customers assets are protected by both companies, as safe as a bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: UT

Complaint narrative:
In accordance with the fair credit Reporting act XXXX XXXX # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

11.1K 15 USC 1666B : A creditor may i treat a payment on a credit XXXX account under an open end consumer credit plan as late for 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 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
I had an ACH deposit this morning for {$230.00} in my savings at regions bank. When I look on the mobile app it shows a balance of {$270.00} and when I call the banks automative line it says I have {$270.00} available. I went to transfer money from savings to checking to bring it to a positive but they turned off my ability to transfer. I contacted customer service ( first rep didnt provide her name ) and she was rude telling me there is not deposit and because I have no money in the savings, and because my checking is negative by {$37.00} they temporarily closed my account until a deposit is made. I did not give them permission to turn off my overdraft for one and they took my deposit because I show a deposit on my end. Ive worked with many banks and none have ever told me an ACH was not available the day it was posted because its guaranteed money. I feel they are committing fraud! I asked them to waive all fees because its out of my control and with the economy were living pay check to paycheck like the rest of the world. They wouldnt assist me and told me they would transfer me to a supervisor XXXX XXXX who advised me the same thing. I want my money today and I want all fees associated with my account refunded. I am the owner of the account and work hard for my money, and banks shouldnt be able to control peoples money like they do. The only reason my account went negative is because I accidentally transferred {$37.00} to the savings not realizing they disconnected the ability to transfer to and from savings. Then once I did that by mistake because their system is confusing they penalized me. Their transfer system is not user friendly and I feel bad for the elderly. In addition, I know banks have to at least release partial money and they wont even do that. I have four little kids and I cant even buy water for them ( so they have to drink out of the faucet where there are chemicals ) with my funds held up, that is not okay. Banks need to be more of consumer advocates instead of always making it hard for consumers to live as human beings. Especially with the economy and banks being XXXX dollar companies its narcissistic to not help the consumer. I just want my money and all fees given back for the emotional damage. If this route doesnt work then I will contact a consumer protection lawyer as a last resort and I will also contact the paper. Im so tired of banks and Im sure most of the world is tired of them as well unless they are rich, banks favor the rich.

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 2022-08-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I have a PNC business checking account. After transferring the funds from that, I sent one email to local branch manager, XXXX to close the account on XXXX XX/XX/2022. I tried calling PNC business account customer service but it was a seriously long hold time ( around 35+ minutes ) and thus i sent an email to XXXX regarding closing the account. But it seems that XXXX couldn't action the closure and PNC charged my account {$10.00} fees on XXXX XX/XX/2022.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, 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: TX

Complaint narrative:
I have unauthorized inquiries on my credit report and XXXX XXXX, XXXX and equifax want delete them. They are 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 and XXXX, XXXX XXXX , us sm Bus XXXX and XXXX XXXX XXXX .

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: TransferWise Ltd

Complaint narrative:
On XX/XX/XXXX, a transfer was made through wise.We wrote to the support service.But they claim that the money was sent to the beneficiary 's bank.Although the recipient 's bank claims that the money did not come.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: LDF Holdings, LLC
State: TX

Complaint narrative:
On XX/XX/2022 I wrote Evergreen Services to request that they stop communications and collection efforts unless to inform me that a specific action is to take place. Instead, they have email after email, called repeatedly, and each message sounds exactly the same : " We have an important business matter to discuss ... '' Now, even after I sent a XXXX XXXX XXXX to Contact Third Parties they are calling my mother and harassing her. My mother was first contacted by Evergreen Services at XXXXXXXX XXXX  XXXX on XX/XX/2022. Specifically, when she answered the phone, they asked her to let me know that they called her and they have a business-related that they have to discuss with me. Evergreen Services called from 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 2022-08-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I made a {$20.00} donation using a credit card and PayPal gave no notice that this would be charged as anything other than a regular credit card transaction. Instead, they processed it as a cash advance, resulting in a {$10.00} charge from my bank, XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report.

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX  ACCNT # XXXX Bal : {$0.00} Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted 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 non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XX/XX/2022. I purchased a new vehicle through XXXX XXXX XXXX XXXX. As part of this sales transaction, I took out a new auto loan with Truist Bank. The loan application, qualification, and sales transaction was all handled together by XXXX XXXX XXXX XXXX. It was verified at at the time of the sales transaction and has been verified since then that information and documents were completed correctly. Once the loan account was set up and I was able to log into online banking to pay more loan, it came to my attention that Truist bank had erroneously set up two separate loan accounts for the same car. There should only be one loan account. Both loan accounts are for the exact same amount and for the single vehicle. The bank has confirmed that this is the case. However- they have been very difficult to work with to resolve this issue and cancel the duplicate loan account and thus far has forced me to pay for both accounts, when I should only have one loan. The dealership has gotten involved and is trying to assist as well - but the bank is uncooperative. The XXXX Notice contact information on the sales contract for the bank, when dialed - nobody answers. It just keeps ringing and then hangs up. I've called their loan services number XXXX times in the last XXXX days - and nobody has been able to help me. The average call has been XXXX to an hour and then they hang up on me while I am on hold. They are unable to get me to the right person to address this issue ( or unwilling ). 

I'd like to file a complaint and also ask for assistance in helping to 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 non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
A Federal Agency is required by law to provide minimum due process not limited to proving the debt is valid and providing for a hearing decision with an appeal process thereafter before reporting derogatory information within a credit file. The Agency has not provided minimum due process. Because a properly and timely requested hearing was never provided for, among several shortcuts and oversights, many rights where not observed and minimum due process was repeatedly violated. The credit reporting Agency was notified of these discrepancies and failed to remove the erroneous premature derogatory reporting from the credit file within investigation XXXX. I notified the credit reporting companies that the Agency must verify the account is mine to include verifying the accuracy of the account and provide a hearing were an additional appeal is available all prior to reporting the account as delinquent. The credit reporting company states the federal agency certified the account was mine with no evidence provided for such determination and the credit reporting company took no position on the derogatory 30 60 and 90 days late reportings despite substantial evidence showing the account has been paid even while pending the active dispute. In addition, the accused also timely requested consideration for a waiver should the hearing decision favor the Agency. The hearing and the waiver requests are both pended thus collection efforts by the Federal Agency to include reporting derogatory reporting are all required to stop until decided and the appeal window has expired as a matter of law.

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 2022-08-02 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. 

I am very annoyed and disappointed when I got my credit report just today. I have researched my rights on the internet regarding whats happening on my credit report. I dont know if you are playing games with me because I KNOW MYSELF, I KNOW MY ACCOUNT, I KNOW IF I PAID ON TIME OR NOT, I KNOW IF THIS IS MY ACCOUNT OR THERES SOME ANOMALLY GOING ON HERE. PLEASE Im begging you to investigate what is happening on my credit report. Im listing down all of the information below that is clearly a 100 % inaccuracy on my credit. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Under 15 U.S. Code 1681e ( b ) and 15 U.S. Code 1681i ( 5 ) this account in violation not reporting 100 % accurate. I want you to conduct an investigation regarding this and if they don't give proof of evidence I want this to be deleted 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 non-monetary relief
Consumer complaint received 2022-08-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: I.C. System, Inc.
State: DE

Complaint narrative:
I received alert from credit bureau about collection item that damaged my credit. The item was previously paid and settled with a prior collection agency XXXX XXXX and was removed XX/XX/22 from credit bureaus. On XX/XX/22 alert of collect item from credit bureaus for same debt again which damaged my credit but this time from a different collection agency I. C System. I attempted to contact collection agency And spoke to a representative that refused to assist me. I explained that this was originally settled and paid with XXXX XXXX And asked why they were trying to collect the same that again. I am putting this complaintd in because it has damage my credit and this company is trying to double dip after another collection agency and refused to remove from my credit. I have also disputed multiple times and still havent gotten anywhere.

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