vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
I sent a letter and recently reviewed my credit file and unfortunately found that some of my personal information was incorrect you are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit profile within the next 30 days. If I dont receive any updates from you during this period, i know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately. 

To whom it may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

Account Name 1 : Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly ACCOUNT NUMBER DATE OPENED LAST REPORTED DATE LAST ACTIVE AND DATE OF LAST PAYMENT XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX  Account Number : XXXX I demand that any and all late payments be removed as you in clear violation of 15 U.S. Code 1681 e ( b ) failure to provide maximum accuracy among all credit reporting agencies.Failure to comply with my demand is a violation of 15 U.S. CODE 1681In - a In general Any person who willfully falls to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damaged of not less than {$100.00} and not more than {$1000.00} or ( 3 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys as determined by the court and also violation of 15 U.S. Code 1681o Civil liability for negligent noncompliance - ( a ) IN GENERAL Any consumer is liable to that consumer in an amount equal to the sum of - ( 1 ) Any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section. The costs of the action together with reasonable attorneys fees as determined by the court. I am fully prepared to file for litigation and contact the Consumer Financial Protection Bureau, and better business bureau if you do not comply with my demand!

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 2023-02-21 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
I sent a letter and recently reviewed my credit file and unfortunately found that some of my personal information was incorrect you are reporting Information that belongs to someone else. I am writing to ensure you have the most accurate information in my credit file at all times. Please delete the following inaccurate information from my credit profile within the next 30 days. If I dont receive any updates from you during this period, i know that these inaccuracies should be automatically removed. I have listed the information about my personal information that you incorrectly reported and should be deleted immediately.

To whom it may concern, After reviewing my credit reports I noticed that you are alleging that the following accounts are negative without furnishing any proof of verification of this debt or that you followed all laws and regulations to report therefore you must remove all negative and adverse remarks. 

Account Name 1 : Erroneous account Direct Violation of 15 USC 1681 Reporting incorrectly ACCOUNT NUMBER DATE OPENED LAST REPORTED DATE LAST ACTIVE AND DATE OF LAST PAYMENT XXXX XXXX  Account Number : XXXX XXXX XXXX XXXX XXXX Account Number : XXXX I demand that any and all late payments be removed as you in clear violation of 15 U.S. Code 1681 e ( b ) failure to provide maximum accuracy among all credit reporting agencies.Failure to comply with my demand is a violation of 15 U.S. CODE 1681In - a In general Any person who willfully falls to comply with any requirements imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damaged of not less than {$100.00} and not more than {$1000.00} or ( 3 ) in the case of any successful action to enforce any liability under this section the costs of the action together with reasonable attorneys as determined by the court and also violation of 15 U.S. Code 1681o Civil liability for negligent noncompliance - ( a ) IN GENERAL Any consumer is liable to that consumer in an amount equal to the sum of - ( 1 ) Any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section. The costs of the action together with reasonable attorneys fees as determined by the court. I am fully prepared to file for litigation and contact the Consumer Financial Protection Bureau, and better business bureau if you do not comply with my demand!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: DISCOVER BANK
State: FL

Complaint narrative:
I applied for a Prepaid credit card through discover to help rebuild my credit. I was informed I was denied for a Secured Credit card for 2 reasons : 1. Past account held with XXXX. ( I never utilized this card nor did load the card for any monetary value ) - I was advised this account was closed in 2019 but no further information was provided. ( I believe it was due to lack of utilization ) 2. Denied based on past Bankruptcy. 

I have more than sufficient income to support a prepaid credit card to assist in the rebuilding of my credit but was still declined for such offer. I also took a hit in my fico score because a hard inquiry was done against my credit to qualify me not for an unsecured line of revolving credit, but a secured line of credit. As a consumer and one responsible for load a secured credit card to be utilized, I believe it is not only unfair to have a hard inquiry done for such an offer, but the internal lending policy walks a fine line of " XXXX XXXX '' based off the marketing materials sent to consumers on a daily/monthly basis. 

I

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account name : XXXX XXXX Account number : XXXX has violated my rights. Or list of inquiries 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is 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 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: OH

Complaint narrative:
FACTS My mortgage servicer is Citizens. Due to XXXX, I have had higher household/family expenses and have struggled to make my mortgage payments. In XX/XX/XXXX, I reached out to the XXXX XXXX XXXX XXXX XXXX XXXX Ohio for assistance. With the help of Legal Aid, I applied for mortgage assistance through Ohio XXXX XXXX XXXX 's Homeowners Assistance Fund ( HAF ) program, XXXX XXXX XXXX XXXX. On XX/XX/XXXX, the Ohio XXXX XXXX XXXX conditionally approved her application. However, XXXX XXXX XXXX is still waiting for Citizens to complete their part of the process. In accordance with XXXX Treasury guidance, after an application is approved, XXXX XXXX XXXX uses a Secure Data Exchange to send an information record to the servicer. There should be at least one person at Citizens who has access to this secure portal and is responsible for sending back a verification record to XXXX XXXX XXXXXXXX. Once XXXXXXXX XXXX  XXXX has that record, they can process the payment and sent it to Citizens. As of today, Citizens has not sent that verification record back, leaving me in limbo. 

WHAT WE HAVE DONE I have contacted XXXX XXXX XXXX multiple times to get an update on their communication with the servicer. Most recently, XXXXXXXX XXXX XXXX emailed Citizens another record request on XX/XX/XXXX. 

I contacted Citizens on XX/XX/XXXX and was told that they had not received a record request from XXXXXXXX XXXX XXXXXXXX. The person I spoke with did not seem to understand that the records must be sent through XXXXXXXX XXXX XXXXXXXX 's secure data exchange, not through fax. 

This issue can be resolved if Citizens participates in XXXX XXXX XXXX appropriately by utilizing the Secure Data Exchange as suggested by XXXX Treasurer guidance. If they do not know how, they should call XXXX XXXX XXXX at XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: CO

Complaint narrative:
WestLake Finical continues to alter my interest rate as I continue to make bigger and bigger payments. They are not charging me according to my loan, but increases my rates when I make extra payments. 

For example, in XXXX of XXXX I made extra payments and I was charged : + {$120.00} in interest. In XXXX I was charged + {$71.00} in interest The last payment I made on XX/XX/XXXX, less than 15 days after the last payment made on XX/XX/XXXX, was charged almost {$25.00}, about {$1.00} per day. The payments before that charged at {$0.00} per day. 

I have a fixed interest rate but as I continue to make extra payments, they alter the interest rate that I have to pay. They are not applying the extra payments towards principle and stated they cant apply extra payments towards principle. I am nearly 2 years ahead of my payments and I believe I would have paid off my car by now, if they had not continued to change my interest rate based on my payments and extra payments. 

Another example : XX/XX/XXXX I Mae the 4th payment in one month with a balance of {$3400.00}. I made a payment on XX/XX/XXXX in the amount of XXXX. Due to the increase in rate, the current balance is {$3000.00} because they charged me {$24.00} in interest and only {$420.00} went towards principle. But that was the FOURTH payment in the month of 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 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
There was an unauthorized {$1000.00} charge on my account XX/XX/23, and I filed a claim with Wells Fargo. They told me it would take up to 10 business days to help me look into it or would credit my account back {$1000.00}. Wells Fargo did not even bother to contact me back within those 10 business days, and I had to follow up regarding this transaction only to tell me they could not do ANYTHING about it or offer me a solution and credit me my amount back like they said they would. Now I have to file a claim with CFPB to get help because my Bank would not even bother finding a solution to my problem. I've been with them for over 10 years, and this is how they treat their loyal customers.

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 2023-02-21 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Greeting 's Consumer Financial Protection Bureau, I'm entering this complain against Experian ( Credit Bureau ) I've placed Disputes with disputes with Experian on XXXX All Mailed to Experian XX/XX/2022 ( Completed Online ) Per Experian, I needed to mail along with My Disputes a copy of My drivers License, Social Security Card and proof of address for verify my Identity, I've completed this step several times, I have not received any results or responses to the disputes or verification of the debt belonging to me.

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 2023-02-21 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: EQUIFAX, INC.
State: MS

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXXXXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXXXXXX XXXX XXXX have all 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Because of the illegal reporting of these accounts I am unable to purchase a home for myself and my daughter.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
when applying this Bank of America credit card, their manager offered and confirmed we will get {$200.00} bonus after spending {$1000.00} in the first 90 days. We did like that, but not received any bonus, then we contacted BOA online agent, he said it only applies to unsecured credit cards. From my understanding, this is cheating and fraud, I can't find anywhere says it should be unsecured credit cards. 

From BOA statement below, which is the only condition to get the bonus : {$200.00} online cash rewards bonus after making at least {$1000.00} in purchases in the first 90 days of account opening

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 2023-02-21 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NJ

Complaint narrative:
I made a mobile deposit on XX/XX/XXXX through the banking app. The app informed me that my funds would be on hold until XX/XX/XXXX. This is an 8 day hold. {$300.00} was made available but the other {$1200.00} was on hold until XX/XX/XXXX. This was a payroll check from the board of education. These checks were previously on direct deposit, but we changed it from checking to savings causing a pay period to issue a paper check. 
This kind of deposit is my ONLY option as there are no branches or ATM 's within XXXX miles of my home. I have done deposits in this way many times previously and never encountered such a situation. 
I reached out through the website chat feature and attempted on XXXX occasions to ask for the hold to be released. Today, XX/XX/XXXX, I tried yet again and was told that because my account had previously had low balances and insufficient funds, they had to hold my deposit for 8 days. This makes no sense to me because while I have this hold, my scheduled bill pays are returning and I have a low balance despite attempting to deposit money. Further, this has caused incredible financial hardship to my family as we can not pick up necessary medications, put gas in our car, pay our rent, or even get groceries.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Application denied
Company: AMERICAN EXPRESS COMPANY
State: WI

Complaint narrative:
On XX/XX/2023, I initiated a consumer transaction with my SSN also referenced by XXXX as a credit card, pursuant 15 USC 1602 ( I ) the term " credit card '' means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on XXXX " The purpose of this consumer credit transaction was to obtain a credit card, I was denied access to my open- ended credit. As a consumer, natural person, and original creditor I have an open- ended credit plan, it is unlawful to deny me of my own credit. I am requesting tht your company department reassess my consumer credit transaction/application and approve my application as a denial is unlawful, goes against congressional law and makes your company or organization civilly liable for non- compliance pursuant 15 USC 1681 ( O ), 15 USC 1640, 15 USC 1691 ( e ). Further more pursuant 15 USC 1691 ( A ) - Activities constituting discrimination, do so state " it shall be unlawful for any creditor to discriminate against any applicant, with respect to any aspect of a credit transaction '' A denial of my open ended consumer credit constitutes to discrimination! Pursuant 12 USC 1431 Powers and Duties of Banks  and Credit Unions have power to lend money, issue bonds and debentures, therefore you are unable to lend a consumer, natural person and original creditor anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: EQUIFAX, INC.
State: NC

Complaint narrative:
In accordance with The Fair Credit Reporting Act the list of accounts below has violated my federal protect protective consumer rights to privacy and confidentiality under 15 USC 1681 the accounts are as listed XXXX XXXX XXXX XXXX XXXX XXXX account XXXX XXXX XXXX XXXX XXXX XXXX next account XXXX XXXX XXXX account number XXXX account XXXX XXXX XXXX XXXX next account XXXX XXXX account number XXXX next account XXXX XXXX XXXX are XXXX XXXX XXXX XXXX account number XXXX these accounts has violated my rights under 15 USC 1681 section 602States I have a right to privacy 15 USC 1681 section 604a section 2 it also States a consumer reporting agency can not furnish an account without my written instructions 15 USC 1681 c a 5 Section States no consumer reporting agency may take any consumer reporting containing any of the following items of information any other advice items of information other than records of convictions of crimes which the records by more than 7 years 15 USC 1681 s2a1 a person shall not furnish any information related to the consumer to any consumer reporting agency if the person knows or has been reasonable cost to believe that the information is inaccurate

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: AZ

Complaint narrative:
I've been a chime member for a few years now and as of today XX/XX/23, they closed my account without notifying me or given me any reason. 
I have money in my account that I can't access now, I have rent due XXXX  weekend, I already did my taxes that was submitted for direct deposit which now I need to figure out what to do now. 

I've reached out to chime multiple times now for help and what I can do to get my account back but no response other than they can't do anything and that a check will be mailed to me within 30 days which that is bizarre and too long for me when I have bills to pay and I didn't even do anything wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Federal student loan debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Nelnet, Inc.
State: IL

Complaint narrative:
Im a victim of identity theft I have no knowledge of these delinquient accounts! None of these companies listed on my credit report have my written consent to use my informtion. 
By the provisins of the FCRA Act and per the standard of reporting compliance implemented with the CRSA enacted XXXX XXXX XXXX Compliance regulations, I have the right to a fair and accurate credit report and you are required to remove any information that is not true, accurate, compliant and verifiable. I demaned that the above mentioned derogatory items be investigated and permanantly removed from my report!

Company response to consumer: Closed with explanation