vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: FIFTH THIRD FINANCIAL CORPORATION
State: IL

Complaint narrative:
I am still continuing to have issues with Fifth Third bank. I am beyond sick of issues and fees with this bank I called in because I was assessed two {$37.00} fees, and the guy couldnt even give me a clear answer at first as to why the fees were even assessed to my account because the one transaction he claimed that made my account negative was not the actual one so then he said it was two other transactions and it short my account was charged a {$37.00} fee for being overdrawn {$1.00} approximately and then a separate transaction for 10 or {$11.00} from XXXX I have been having continuous issues with the my advanced feature on the app not working and at the time I had more than enough funds to initiate the my advance feature which shouldve covered the -11 or {$12.00} on top of that I wouldve had up funds of the 11 or {$12.00} in my account if I did not have unauthorized transactions on my account that I had to file dispute for for companies charging me illegally without my permission Furthermore, I want to add that I did try to even use the 24 seven chat feature at Fifth Third offers, and I spoke with an agent who said that he was looking into the matter of the fees and the transactions, but never actually came back to respond to give me any account information for almost 30 minutes he kept reading my messages I said OK and read but the agent actually never responded. Ive been having nothing but customer service issues and overdraft fee issues with this bank repeatedly I always bring my account to the positive by the end of the day if my account is negative at all and if theres other ways that Im supposed to do that because once again, Fifth Third mobile app is not working and sending me messages saying that its not able to do transfers and so forth then what am I supposed to do? How am I supposed to know to go through other platforms on Fifth Third to fix their technical issues that keep happening, especially when the 24 seven customer support doesnt provide any help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to dispute certain accounts that have been furnished on my consumer report by your agency. These accounts should not be furnished in my consumer report as they are in violation under 15 USC 1681b - Permissible Purpose of Consumer Reporting Agencies.

Under 15 USC 1681b, any consumer reporting agency may furnish a consumer report under specific circumstances, and no other. Subsection ( 2 ) of this statute clearly states that a consumer report can be provided " in accordance with the written instruction of the consumer to whom it relates. '' I have never provided written consent to any consumer reporting agency to report the accounts in question, which directly violates my rights as a consumer. The absence of consent implies identity theft, a serious offense that undermines the integrity of my consumer report. 
I am formally demanding the immediate deletion of the following accounts from my consumer report : Account Name : XXXXXXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXXXXXX XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : FLORIDA DEPT OF REVENUE Furthermore, I would like to draw your attention to 15 USC 1681c-2, which states that a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information resulting from an alleged identity theft. I have filed a report with the Federal Trade Commission ( FTC ) regarding identity theft and have been assigned the reference number [ XXXX ]. As such, I kindly request that you comply with this statute and block the reporting of the aforementioned accounts not later than four business days after the date of receipt of this letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: TMX Finance LLC
State: PA

Complaint narrative:
Did a title load with XXXX XXXX alone parent company TMX LLC was too I will be receiving restitution because the company was based in XXXX  and I live in XXXX  and it was illegal to do business with people who live in XXXX  as far as title loans

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
recieved couple of letters saying my account was overdraw and needed payment. last letter was XX/XX/2023 from citizens bank XXXX XXXX XXXX XXXX XXXX, RHODE ISLAND XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: MI

Complaint narrative:
DELETE XXXX XXXXXXXX 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 XXXX XXXX I DID NOT GIVE REPORTING COMPANY WRIITEN PERMISSION TO REPORT ACCOUNT. MY RIGHTS HAS BEEN VIOLATED Improper use of my credit report shared without my consent reporting company used my report improperly

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 2023-10-19 00:00:00
Product: Credit card — Store credit card
Issue: Improper use of your report — Reporting company used your report improperly
Company: Data and Contact Management Solutions, LLC
State: SC

Complaint narrative:
I did not ask to have alleged debt verified, or if said debt collector felt correct in it actions of reporting my personal information to consumer reporting agencies. I am simply letting you know that it is against federal law to furnish my personal information which may include but not limited to consumer utilization, late payments, or having an account in collection status. If you are reading this but unfamiliar with federal law please forward to your company attorney. 

My account information was placed on my consumer report without my written permission or knowledge. In accordance with the fair Credit Reporting Act, XXXX  you violated my rights. 15 USC 1681 Section 602 A states : I have the right to privacy. 15 USC 1681 Section 604 A Section 2 States : A consumer reporting without my written permission, consent, or instruction. No person shall be held liable for any violations of these Sections. Businesses must maintain procedures to assure compliance with the provision of these Sections.

You are reporting a specific amount this would be considered personal information. 15 USC 1681 A 2 and A 1. You are reporting on this account that congress defines transactions and experiences are not to be included on any consumer report. Willful noncompliance under 1681 N civil liability will hold you liable for any damages, denials of credit or rejections due to inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Remove this account listed below in accordance with FCRA 1681b ( a ) ( 2 ). 


XXXX - # XXXX Additionally, Title 15 U.S.C 1681 Section 602 states I have a right to privacy.

.

Title 15 U.S.C. Section 604 states a consumer reporting agency can not furnish an 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 non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Payday loan
Issue: Struggling to pay your loan — 
Company: SoLo Funds Inc.
State: TX

Complaint narrative:
I have problems repaying back Solo Funds due to unexpected expenses that I couldn't control. I told them that I needed more time to pay a partial payment they offered me, but accuses me for breaking that promise. I didn't intend to break any promise and I'm really having a hard time paying the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: UT

Complaint narrative:
Hi- this is a general complaint about the issuance of credit cards. I filled out the form as best I can, but there wasn't an option for " other '' so I had to select some of you default options. 

My complaint is that after an application card issuers are not required to disclose the amount of credit that they would offer you before you accept the offer. 

This makes it challenging for consumers and businesses to limit the number of accounts they open for credit management or other purposes because they can't see how much a card issuer is offering before they accept the account. 

I think CFPB rules should require that after an application for a credit card the issuer should be required to disclose the credit limit they would be willing to offer and the business or consumer should be able to negotiate at that point based on their needs or decline the offer. 

If this wasn't the right way to submit this feedback, please channel it to the right people. I think this is a very fair consumer protection to allow a consumer to see the total credit line before accepting a new account so that they can shop between issuers without having to open an account just to see what credit line is available. 

Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — Fees or costs after closing
Company: Mortgage Research Center, LLC
State: TX

Complaint narrative:
Veterans United took the property taxes paid by the previous owners and applied them to closing costs without authorization from myself or husband. We had stressed to VU that my husband is 100 % XXXX vet and we will not pay property taxes. XXXX XXXX, the loan counselor for VU, had taken the tax money that was from XX/XX/XXXX to XX/XX/XXXX and applied it to our closing costs instead of the property taxes that was going to be due. We didnt know this happened until after closing and we had gotten a letter from XXXX XXXX XXXX stating we owe property taxes. At no point did we authorize Veterans United to apply those taxes to closing costs. XXXXXXXX XXXX informed us that we have a policy that we purchased that protects us. XXXX XXXX XXXX company is our title company and according to the VA and XXXXXXXX XXXX, they shouldnt have allowed the paperwork to go through because the taxes werent paid. So now, my husband and I are going through XXXX trying to figure out who messed up and how to fix it. 

Also, the VA advised I call CFPB and I did and they told me that because I brought this to the attention of Veterans United that they were supposed to fix it and because they didnt they violated a policy that CFPB has. Im not sure the name.

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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
Per FCRA, 15USC1681E ( B ) all information must have maximum accuracy ... the date bankruptcy reported is incorrect... more importantly the bankruptcy court did not report the information to credi bureaus, therefore the information obtained could not have been verified by the court ... that represents inaccuracies and by LAW and should be deleted immediately from all 3 bureaus Thank You

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 2023-10-19 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I lost my synchrony chevron card awhile ago ( XXXX ). They canceled the card and replace the card account ending in XXXX. Then suddenly out of the blue I get a {$250.00} refund check. Which I thought was strange. I deposited the check. After that, they never informed me that they made a mistake. Then out of the blue the old account shows {$250.00} owing and that it is in arrears. I called them and they identified they had made a mistake sending me the {$250.00}. I made a payment over the phone for the {$250.00} so we could call it a day. About a month later I go onto my account and there is the same {$250.00} owed and in arrears. I have been on the phone all day with them. They told me that the phone payment was not excepted. But they said the payment attempt was on XX/XX/XXXX. That is a blatant lie. I had major XXXX on XX/XX/XXXX and was in the care of my sister XX/XX/XXXX. I have no idea what these people are doing and I need help. XXXX XXXX XXXX XXXX. I do have some short term memory loss due to XXXX. I have no idea why they would lie about the date I made payment. I am requesting records from my 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 2023-10-19 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On Saturday, XX/XX/XXXX I called TransUnion to dispute an information problem on my credit report. For the past two months, my TransUnion credit report has been missing from my credit history. This is rectified further on partner sites like XXXX XXXX and XXXX XXXX XXXX which allow you to view TransUnion reports. Even when my XXXX and XXXX reports were reporting correctly. After some back and forth, they saw that this was a matter they could transfer to their so-called " Special Handling '' department since they saw I have no credit history, but not a split credit file. Unlike previous incidents with TransUnion. Which were solved easily due to me knowing their " Split File error code '' to fix it. However, they were closed on the weekends and were told to call back the next business day and state the same problem. While also being told you can ask to be transferred to " special handling ''. 

On Thursday, XX/XX/XXXX I had some time to call TransUnion and restate my current situation and unfortunately, the representatives I talked to stated this wasn't a matter that could be disputed and sent to special handling. After threatening a CFPB complaint, I was transferred to a supervisor instead of their special handling department which would help dispute my credit report. Instead, the supervisor had persistently told me it wasn't TransUnion 's problem even though the Fair Credit Reporting Act gives me the right to dispute with the credit reporting agencies. I was told to call the banks instead and tell them to correct the dispute without needing them. After asking to transfer to " Special Handling '' for the third time to help dispute, they continually refused. Even though I knew this was Transunion 's problem, not the bank 's. After being hung up on by TransUnion it was the moment this complaint needed to be written up. 

I contacted XXXX, XXXX XXXX, and XXXX XXXX the same day regarding this matter while checking my XXXX and XXXX reports and the three banks have told me that they've reported everything correctly. Including TransUnion. Was told this was a Transunion problem again. Not the banks.

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 2023-10-19 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: NY

Complaint narrative:
Hello, please see documents attached for more details. I hope you can help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC

Complaint narrative:
my father used my social security number to open a credit card in my name and now it has been sent to debt collectors that want me to pay for them. i just turned XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 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: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICE AN ACCOUNT THAT IWS ON MY CREDIT REPORT, THAT NEEDS TO BE DELETED, FROM MY CREDIT REPORTS.BALANCE {$4600.00} BALANCE UPDATED XX/XX/ 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 explanation
Consumer complaint received 2023-10-19 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: NJ

Complaint narrative:
UPON ME REVIEWING MY CREDIT REPORTS I NOTICE AN ACCOUNT THAT IWS ON MY CREDIT REPORT, THAT NEEDS TO BE DELETED, FROM MY CREDIT REPORTS.BALANCE {$4600.00} BALANCE UPDATED XX/XX/2XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-19 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CREDIT ACCEPTANCE CORPORATION
State: TN

Complaint narrative:
The car wa paid off after but it is still on my credit score showing that it is not paid. it is delaying me from moving forward with my life.

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 2023-10-19 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: ARTICLE ACCEPTANCE COMPANY
State: CA

Complaint narrative:
This company is reporting inaccurate and incomplete data to the major credit bureaus for years XXXX thru XXXX reflecting the date of first delinquency. The account is reported as opened as of XX/XX/XXXX and is still reflecting on my credit profile past 7 years in violation of FCRA. 

The credit bureaus are in violation of the FCRA by reflecting inaccurate and/ or incomplete data on my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 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: WA

Complaint narrative:
hello my name is XXXX XXXX i filed a complaint XXXX complaint OPEN Submitted STATUS Submitted to the CFPB on XX/XX/2023 and have not been responded to yet so there for since the credit company have not got back me within the 30 days that they are legally required to they need to erase what i am disputing about off of my credit report an i also would like to be reimbursed for the losses that i have sustained due to improper credit reporting the info that they are reporting is inaccurate on each credit site and it has to be the same or removed i was just recently denied a car lone and loss my job due to the fact that i cant get to work i was working at XXXX was unable to get there due to be denied a car due to the collections on my credit report that are not even the same i will show proof below this has greatly affected me and my everyday life in ways unexplained please help i would also like to be reimburse for every collection that has been reported because i am aware that that it is illegal to report those as well and also XXXX  is trying to charge me to view my credit report and i am aware that that is illegal as well

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Company closed your account
Company: Block, Inc.
State: CA

Complaint narrative:
So been using Cash app for many years with no problem love cash app. On XX/XX/2023 I logged in after I getting a new phone. And cash app said they closed my account because did something against the terms of service. I said of this must be a mistake what did I do. No answer. Cash app has had system problems a lot lately and I heard from others they randomly closed down people 's account with no explanation. Well i need my account and I need an explanation and my account back

Company response to consumer: Closed with explanation