vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
This all occurred from XXXX with the majority happening in XXXX. I banked with Suntrust who is now Truist since I was a child ( well over 10 years ). The pandemic turned my life upside causing financial turmoil for me as well as millions of others which resulted in some overdrafts on my account due to bills and such. Suntrust continuously charged fees to the point I was unable to catch up. Each of my paychecks was eaten up by fees causing more overdrafts as bills payments hit my account. It was a vicious cycle. I was getting nfs and late fees on top of other fees and then fees on bills being unpaid. When I originally opened my account, it was connected to my parents account since I was so young. I ended up so behind, Suntrust took all of the money out of my parents account and just closed mine. This happened when they were leaving for vacation for a week with my niece. I ended up moving back in with my parents, losing my job due to the XXXX  and stress being caused by this, and had to declare bankruptcy. I tried working with Suntrust multiple times. They did waive a few fees randomly but it didnt help. They wouldnt even let me pay fees to catch up and just stop extra fees from adding so I could catch up but they refused. I even had an agent confirm on a call that I had 100 % signed up for overdraft protection a long time ago but then after that other agents acted as if I was crazy. I had no idea I could submit this complaint and that Suntrust would actually listen or I would have done this already. I now have to use prepaid checking accounts and have no credit due to the bankruptcy. 

I can provide my old account number and my info if needed. I am also trying to pull the bank records from suntrust but I know they can see it all with just my account number and personal 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 explanation
Consumer complaint received 2023-10-15 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: TN

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. XXXX XXXX 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 2023-10-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: VA

Complaint narrative:
I have received 2 emails from Chime. One welcome email and an email stating that someone has logged in to my account from a new device. I ignored it because information was missing from the second email regarding location and type of device that logged on. The next day I receive another email, stating my card is on the way and is being delivered to an address that I am familiar with. Its an apartment address I used to live at but its a different building with no apartment number. That raised concerns so I called the company to report fraud. The first two times I called, I got a busy dial tone which was concerning but I go through on the 3rd time. The lady I spoke with couldnt verify me without my DOB and last four of social. I kept trying to explain that she doesnt need that information to locate an account that is using my email address. She insisted on it and I wouldnt budge and tried to explain that it wasnt me that opened the account so I dont know what birthday or social they listed, all I know is that my email was being used. I told her to search for the email and she said that doesnt exist in their system and again was adamant about my personal information. I hung up the phone and XXXX searches my situation with Chime and saw that others have been through this, which is absolutely crazy.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: NV

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.

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 2023-10-15 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: NV

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NEW YORK COMMUNITY BANCORP INC
State: IL

Complaint narrative:
Had issues with Flagstar previously. Where they don't process my loan payments from my bank on time then assess a late fee and as before statements are not available on line when attempting to pay. This is ridiculous. Was so happy when they went away as my loan servicer previously but I have them back again. Same antics with them. They didn't process a check from my bank few months back so incurred a late fee and credit hit. Now I am not sure what I am paying for ( can not get a statement today ) but forced to pay the higher payment this month since I can not be late. I have to pay on their website and take screenshots of that so they don't XXXXXXXX XXXX again. Current loan # they are servicing is XXXX. I think they purposely doing these things to collect late fees

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 2023-10-15 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: OH

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.

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 explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened without my consent or knowledge
Company: U.S. BANCORP
State: WI

Complaint narrative:
A XXXX XXXX email was sent to me about my credit score changing. When I read the email, it also showed that a new credit card account had been opened in my name with US Bank on XX/XX/2023. I went to my credit reports and the card is listed as one of my accounts. I did not open this account and neither did my wife. The account is not listed on my wife 's credit reports so it was opened only in my name. The card has a {$10000.00} limit and a XXXX balance. My credit reports shows that payments were made in XXXX, XXXX and XXXX, XXXX. I contacted US Bank and made a complaint with the fraud department and they have put a stop on the card and are investigating. I was told that the card was sent to our address on XXXX XXXX in XXXX, IL, we have not lived at this address for 35 years. There was also a XXXX  account set up using my name but it is not a XXXX  account I have or have set up. US bank placed a fraud notification in my reports at each of the credit reporting agencies and also in my wife 's reports. I have also frozen my credit with each reporting agency.

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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
XXXX was requested to do an investigation however its clear that they didnt actually do the investigation so Im requesting that they remove XXXX XXXX  from my credit file. 
XXXX reported that the account was open when it was closed. XXXX reported that there was a balance of XXXX dollars when its actually XXXX. Please remove from my credit report since there was not a legitimate investigation Additionally XXXX XXXX  agreed to remove the account from my credit report because the account had never been activated a new card has never been sent to me for an account that I never opened. I had confirmation from XXXX at extension XXXX under interaction ID XXXX that the account balance is XXXX. The account is closed and she removed the account from my credit report. XXXX is a supervisor at 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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: MO

Complaint narrative:
Equifax was requested to do an investigation however its clear that they didnt actually do the investigation so Im requesting that they remove XXXX XXXX  from my credit file. 
Equifax reported that the account was open when it was closed. Equifax reported that there was a balance of XXXX dollars when its actually XXXX. Please remove from my credit report since there was not a legitimate investigation Additionally XXXX XXXX  agreed to remove the account from my credit report because the account had never been activated a new card has never been sent to me for an account that I never opened. I had confirmation from XXXX at extension XXXX under interaction ID XXXX that the account balance is XXXX. The account is closed and she removed the account from my credit report. XXXX is a supervisor at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
XXXX was requested to do an investigation however its clear that they didnt actually do the investigation so Im requesting that they remove XXXX XXXX  from my credit file. 
XXXX reported that the account was open when it was closed. XXXX reported that there was a balance of XXXX dollars when its actually XXXX. Please remove from my credit report since there was not a legitimate investigation Additionally XXXX XXXX  agreed to remove the account from my credit report because the account had never been activated a new card has never been sent to me for an account that I never opened. I had confirmation from XXXX at extension XXXX under interaction ID XXXX that the account balance is XXXX. The account is closed and she removed the account from my credit report. XXXX is a supervisor at 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 non-monetary relief
Consumer complaint received 2023-10-15 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: DISCOVER BANK
State: FL

Complaint narrative:
Reporting illegal utilization on credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: DE

Complaint narrative:
Experian is furnishing information on my consumer report after I opted out of any LATE PAYMENT, CREDIT UTILIZATION, INQUIRIES, INCORRECT ADDRESSES, and INCORRECT NAMES per Per 15 U.S Code 6802 ( b ) They are violating my rights to privacy as a Consumer and affecting my ability to obtain Credit. 

I sent my initial requests on XX/XX/XXXX through mail to the CEO, but I have not had my requests acknowledged.

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 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
I'm contesting the inaccuracies and deficiencies in the mentioned accounts in accordance with FCRA guidelines for their removal. If these guidelines are not adhered to, I will pursue legal action to rectify my situation, as per USC 1681E ( B ) and under 15 U.S. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 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: PA

Complaint narrative:
In accordance with The Fair credit reporting act account number XXXX XXXXXXXX XXXX has violated my rights 15 USC 16 81 section 602 a States I have the right to privacy 15 USC 16 81 section 604 a section 2 it also stays a consumer reporting agency can not furnish a account without my written instructions 15 USC 16 6b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

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 2023-10-15 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: PA

Complaint narrative:
In accordance with The Fair credit reporting act account number XXXX XXXX XXXX has violated my rights 15 USC 16 81 section 602 a States I have the right to privacy 15 USC 16 81 section 604 a section 2 it also stays a consumer reporting agency can not furnish a account without my written instructions 15 USC 16 6b a creditor may not treat a payment on a credit card account under an open and consumer credit plan as late for any reason.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Reporting illegal utilization on 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 2023-10-15 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:
Reporting illegal utilization on credit report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: DISCOVER BANK
State: FL

Complaint narrative:
I'm contesting the inaccuracies and deficiencies in the mentioned accounts in accordance with FCRA guidelines for their removal. If these guidelines are not adhered to, I will pursue legal action to rectify my situation, as per USC 1681E ( B ) and under 15 U.S. 1681i.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
I had a credit card of TD Bank. They are not supposed to charge fee. I do not use it. They charged {$25.00} fee. I never got a statement about that fee. We had changed address at the TD Bank when we moved a new address. I found out that when you changed home address at the bank, they fail to change your address for the credit cards. They say that credit cards department is different. I did not know they chargef {$25.00}. Then every following month they started charging {$37.00} late fee. I accidentally visited the bank and asked them why I never get a statement for my credit card. Since I do not use it, I got schocked. They asked me to pay {$170.00}. Then they said if I paid {$100.00}, the problem will be solved. I paid it the stop the problem at the moment. I now check my account that they still ask me to pay {$73.00}. 
They could have taken that illegal {$25.00} fee from my checking account, or they could charge a reasonable interest. But they chose charging {$37.00} following months. When I checkef my credit score, I noticed that is is lowered from 750 to 530.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-10-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/, I booked a pre paid hotel reservation on XXXX for XXXX nights at the XXXX XXXX, New York. Total charge was {$2900.00} ( {$2300.00} for room + $ XXXX ) as shown on the XXXX receipt, attached. The receipt also indicated PAID IN FULL. Neither at check in nor at check out at the hotel, during my stay, was I told of any additional charges nor given a receipt for XXXX. 

I was therefore shocked to find a {$430.00} charge by the hotel on my credit card months later. I called the hotel to find out why and they said it was for taxes. I pointed out that I had prepaid taxes as shown on my receipt, and that the reservation was prepaid in full, in advance. The gentle man I spoke to promised to look into it. I also called XXXX immediately and the representative and her XXXX I spoke said there shouldnt be any additional charge as the reservation was fully paid for in advance. A month passed and yet the charge remained and so I called XXXX again and the XXXX told me to stay on the phone while she calls the hotel. She returned and told me the hotel had agreed to refund the money as there never should have been any additional charge. I asked for an email for my records, and she sent me an email indicating same - please find attached. 

I have told all of these to Bank of America but they still wont take the charge off my account and insist I pay it. 

Again, the reservation was prepaid paid in full, never did the hotel tell me I had any outstading charges when I stayed there, I never was given a receipt for any additional charges either. I am therefore disputing the total charge, {$430.00}.

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 2023-10-15 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: VYSTAR CREDIT UNION
State: FL

Complaint narrative:
Reporting my utilization is illegal and charged me a XXXX fee for my money I called and ask if they can close the account.

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