vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-05 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: NJ

Complaint narrative:
Hi I'm very upset on what's going with Bank of America. I put in a claim for a service I prepaid for goods in XX/XX/2021. The company randomly went out of business in XXXX and STILL did not inform a public statement that they closed. They scammed people out of money knowing they were on the brink of closing. I prepaid for goods that are not promised and not the agreement of the reason of signing up for a annual membership. My bank denied my claim and I'm trying to explain these were a prepaid transaction for goods I was supposed to receive and never will due to them closing down. I'm out of XXXX which I'm extremely upset about.

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 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
IN ACCORDANCE WITH THE FAIR CREIDET REPORTING ACT XXXX  ACCOUNT # XXXX, HAS VIOLATED MY RIGHTS. 

15 USC 1681 SECTION 602 STATRS 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.

15 USC 1666B : A CREDITOR MAT NOT TREAT A PAYMENT ON A CREIDET CARD OR 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 explanation
Consumer complaint received 2022-05-05 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: WI

Complaint narrative:
In accordance with the fair credit report act these accounts has violated my rights XXXX # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX. Congressional findings and statement of purpose [ 15 U.S.C. 1681 ] ( a ) Accuracy and fairness of credit reporting 604. Permissible purposes of consumer reports [ 15 U.S.C. 1681b ] ( a ) In general. Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other

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 2022-05-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: WV

Complaint narrative:
I applied for the Temporary Public Service Loan Forgiveness Program. My loan counts are way off as they are not including payments I made from XX/XX/XXXX through XXXX of XXXX. Their reasoning is they can't find the payments and they don't have the bills I was issued. Therfore they say the payments are not eligible. How can a required student payment not be eligible.just because they can't find them? I'm sure i'm not the only person being denied this Forgiveness because the Department of Education can't keep track of payments. This is unfair and not my fault. I am distraught over this. How can it be fixed. I have called FedLoan and sent emails only to be blown off by staff. I have been making the required payments for 20 years. Tell me how to fix this?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I've received several notices from XXXX XXXX for accounts that have been in default due my failing health. 

XXXX bought debts from a XXXX cards and entered judgments against me XXXX  XXXX - which was dismissed XXXX XXXX XXXX - Entered in the amount of {$5300.00} CITI Bank- Which was entered which they are now trying to garnish wages from a Job I no longer work at. and I am paying the debtor directly

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA, FDCPA and HIPAA laws and regulations. I have sent out Affidavits of Verification to each of the three Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX XXXX Account Number : 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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is unverified information on my reports which are causing financial harm to me and my family. The creditors on my report are in violation of the FCRA, FDCPA and HIPAA laws and regulations. I have sent out Affidavits of Verification to each of the XXXX Credit Bureaus in an attempt to receive verification of the following items. 

XXXX XXXX  XXXX Account Number : 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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I found inaccurate information on my consumer report and notified TransUnion to initiate a reinvestigation of the information. I included proof of my location information and identification. After more than 30 days since they received my dispute they are continuing to furnish the inaccurate information.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, 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: PA

Complaint narrative:
An error to my credit report have not yet fix I've sent you too many letters to correct your record which is my credit report. I would like you to remove and delete what is detrimental to my credit report. If you continue your willful non compliance with the law I will file a small claims from your company for violating my Consumer rights There are items on my credit report that are in violations of the FCRA. 15 USC 1681 section 611 states that if an accounts are incorrect, inaccurate and unverifiable you must remove and delete it from consumer report. Also, there is an invasion of my privacy and defamation of my character.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
XX/XX/2022 I noticed unauthorized inquiries from XXXX XXXX XXXX XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX my credit report, someone applied for a credit card in my name. I don't know the amount but the inquiry is on my credit report, I contacted the company and the XXXX  XXXX about this and haven't gotten any satisfaction.

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 2022-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I had my identity stolen. The person who stole my wallet was a XXXX XXXX XXXX male. He went to Macy 's on XX/XX/2022 and tried to open a credit card in my name. The cashier took my license and never said anything that a male with a bald head was standing in front of her applying for a credit card. He looks like nothing me. Thank goodness the application was denied but shame on the cashier for taking the application when it was not the person standing in front of her. this is what stores do their employees. they put so much pressure on them to get sales and credit cards, that they don't care whose life they are hurting.

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 2022-05-05 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have had a Best Buy Citibank account for nearly ten years. I set up autopayment to ensure my payments were made every month, but at the beginning of the year, those payments were cancelled without notifying me. I received a first past due notification in XX/XX/2022, and to prevent credit reporting, I paid off the balance in full ( {$550.00} ). I later received another past due notification in XXXX ( {$130.00} ) that was reported to the credit agency, dropping my score by over XXXX points. 

I disputed the credit report through XXXX, and I tried contacting Citibank to understand my options, and they said there wasn't anything they could do from their end. Note that I closed the account at this time. I then contacted XXXX and they said that wasn't true, Citibank should be able to help with a reporting issue. 

Once I called customer service at Best Buy Citibank back, they informed me that the sent a paper notification of the cancelled autopayments in XXXX to an old address, but could not tell me why specifically the autopayments were cancelled. 

Because autopayments were cancelled for an unknown reason, and without my knowledge, and I relied on those autopayments to ensure my account was up to date, I would hope there would be a workable solution to reverse the reporting. Especially since, when I became aware of the issue, I paid of the account in full, and then received further charges, again without my knowledge. 

It's very frustrating as a XXXX year customer with good payment history, that I am being penalized for an issue that started with the creditor 's action - cancelling autopayments- which is routinely advised as a safe way to ensure you are on top of your accounts. Moreover, I think I have made evident attempts to address any payment issues but have received little help or relief from the company itself, and that is also frustrating. 

I accept any charges, but I feel that my credit should not be penalized due to an issue stemming from a creditor 's action, especially because the source of the credit reporting is the creditor themselves. Especially after making an initial effort to pay off an account in full.

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 2022-05-05 00:00:00
Product: Debt collection — Medical debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Harris & Harris, Ltd.
State: TX

Complaint narrative:
On XX/XX/2022, I spoke with a representative from Harris & Harris that would only identify themselves as " XXXX XXXX '' in regards to a medical debt they claim I owe. During the phone call, " XXXX XXXX '' was short and rude with me. I asked for debt validation, to which I was given the information that I would have to contact another company ( XXXX ) to get that validation and verification. I asked " XXXX XXXX '' to no longer call the number they had on file for me and was proceeding to ask other questions when she hung up on me. I called XXXX and they were not able to find any debt that was owed and had no idea why this other company was contacting me. 

Today, XX/XX/2022, I had XXXX calls from them within the hour between XXXX. I advised the first representative that I had already asked for them to no longer call me, to which she said that the previous representative on Tuesday " should have '' put that in the system, but they did not do that. She then proceeded to try and collect the debt. I asked them how we could rectify this situation since they were not supposed to call. She placed me on hold and a person that identified themselves as a supervisor named " XXXX '' came on the line. He, at first, said that the previous rep did in fact put my name on the do not call list. I persisted asking why they would still call to which he responded that he has now put me on a " global supervisor '' list. So he is saying that my number was put on the list originally and they still called ( which is a violation ), but the other rep just before him said that my number was never placed on the list but still persisted with trying to collect the debt when she knew that the call shouldn't have been made ( still in violation ). I asked XXXX for verification of the debt, for validation that they own the debt, and verification that they are authorized to collect the debt, to which he claims they have already sent me " XXXX '' validation letters ( that I have not received ) and they do not own the debt. XXXX gave me XXXX " debt '' numbers and claim that I owe XXXX debts to this other company in the amounts of {$40.00} and {$150.00} and told me that the company XXXX may in fact not have record of these debts since they are in collections and not an active account ( just contrary to what XXXX XXXX told me ). They do not seem to know who owns the debt, where the debt is, and are giving me conflicting information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting Act XXXX Account # XXXX, has violated my rights. 

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

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 2022-05-05 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Incorrect information on your report — Account status incorrect
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
As a result of Suntrust Bank 's transition to Truist, they have incorrectly applied my payments on my HELOC account and, as as result, have suspended my credit line AND reported my account as delinquent to the credit bureaus. MY XXXX score has gone from XXXX to XXXX based on their mistake. I have NEVER missed or made a late payment on this account, or any other for that matter.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
XX/XX/2022 I noticed unauthorized inquiries from XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX, XXXX my credit report, someone applied for a credit card in my name. I don't know the amount but the inquiry is on my credit report, I contacted the company and the XXXX XXXX about this and haven't gotten any satisfaction.

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 2022-05-05 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XX/XX/2022 I noticed unauthorized inquiries from XXXX XXXX XXXX  XXXX XXXX Inquiry date : XX/XX/XXXX, XXXXon my credit report, someone applied for a credit card in my name. I don't know the amount but the inquiry is on my credit report, I contacted the company and the credit Bureau about this and haven't gotten any satisfaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: SOUTHSTATE BANK CORPORATION
State: GA

Complaint narrative:
XX/XX/2022 XXXX XXXX  FRAUD {$1900.00} TAKEN FROM BANK DEBIT CARD. 
XX/XX/2022 XXXX XXXX FRAUD {$500.00} TAKEN FROM BANK DEBIT CARD. 
BOTH ARE UNAURTHORIZED CHARGES. NO CONTACT WAS MADE WITH THE WITHDRAWER. 
DISPUTE WAS FILED ON XX/XX/2022 WITH BANK.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Improper use of your report — Reporting company used your report improperly
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
In accordance with the fair credit reporting act XXXX Account # 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.

15 USC 1666B : A creditor may not treat a payment on a account under an open end consumer credit plan as late for any purpose.

15 USC 1605 : Determination of finance charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Closing on a mortgage — 
Company: Rocket Mortgage, LLC
State: TX

Complaint narrative:
Rocket tried to illegally delete our {$2000.00} credit 1 week before the closing date, threatening to delay the closing or lose the house with not enough time to find an alternative lender. One week before our closing on XX/XX/2022, Rocket mortgage changed its loan estimate and deleted a {$2000.00} lender 's credit that was offered to us to make their loan competitive versus another lender. With the {$2000.00} lender credit from XXXXocket, they were able to beat the preferred lender by a small amount, so we decided to go with Rocket due to our previous relationship. But, a week before the closing they kept on uploading the wrong loan estimate for us to sign, which was missing the {$2000.00}. After taking time off and calling numerous times, our banker XXXX XXXX told us they couldn't give us {$2000.00} anymore. She couldn't explain why and didn't help us, only offering her boss XXXX for an explanation. He was hard to reach and didn't return our calls, offering no explanation. It is illegal for them to change the loan estimate after everyone signed off. They threatened to cancel our loan 1 week before closing to scare us into taking {$2000.00} less. My wife and I both took a full week off from work to research and fight this issue. We lost of a lot of salary and sleep because of this. We told them that if they didn't honor their word and go with the original agreed estimate, that we would not do business with them. Only 3 days before the closing, they finally gave us the correct final loan estimate and we were able to move towards closing. They threatened to delay our closing and scared us with the possibility of losing the house. They used illegal tactics and lied to us, but thankfully we did our research and knew what was right vs what was wrong. The CFPB needs to investigate this firm and its practices.

Company response to consumer: Closed with explanation