vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: GREENSKY OPERATIONS, LLC
State: TN

Complaint narrative:
In XXXX, I used Greensky to finance a purchase of windows for my home from XXXX XXXX. The amount finance was {$23000.00}, at 4.99 % interest over 120 months for a total interest amount of XXXX. Total amount to be repaid is {$29000.00}, making the monthly amount due XXXX as stated on the disclosure. I have made all payments on time for XXXX monthly and this amount includes XXXX XXXX XXXX. The payments began XX/XX/XXXX. I have went to my online account and see that an amount of approximately {$80.00} to {$90.00} has been added to my balance each month. There is no reason for these charges and they should not have been added to my account. They should be reversed and any additional interest charges removed from the account. 
The monthly statements show an interest amount, but I thought this represented the interest amount included in the payment of XXXX. But in looking at the old balance, minus payment, the new balance can only mean that this amount has been added back to the total. Greensky also does not want to address unless mailed in writing. Greensky only wants to correct for mistakes identified within the last 60 days only. 
I have emailed the company at XXXX to have this addressed as above. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/year>, American Express took adverse action against two of my personal accounts : the XXXX XXXX XXXX XXXX ( ending XXXX ) and the XXXX XXXX XXXX XXXX ( ending XXXX ). The credit limits on both accounts were significantly reduced to {$1000.00} each, with the cash advance limit set to {$200.00}. The stated reason for this reduction was that the average of my recent payments, in relation to the balances on my American Express accounts, was deemed too low. This decision was made despite my good faith efforts to keep all accounts in good standing. 

Similar actions were also taken against my business accounts, including assigning restrictive preset spending limits. These changes have collectively hindered my ability to effectively use the accounts for personal and business purposes. Furthermore, despite having tendered payment for these accounts, American Express has refused to process the payment, using coercive and extortionate measures to extract additional payments and justify adverse changes. 

The imposed limitations are unreasonable and not reflective of my payment history or account management. I believe these actions are punitive and retaliatory, and I request a review and reversal of the adverse changes, including restoring the original credit limits and removing preset spending limits on all affected accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: PA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-10-09 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Under 15 USC 1681i ( a ) ( 1 ) ( A ) subject to subsection ( f ) and except as provided in subsection ( g ), If the completeness or accuracy of any item of information contained in a consumer 's file at a consumer reporting agency is disputed by the consumer and the consumer notifies the agency directly or indirectly through a reseller, of such dispute, the agency shall, free of charge, conduct a reasonable reinvestigation to determine whether the disputed information is inaccurate and record the current status of the disputed information, or delete the item from the file in accordance with paragraph ( 5 ), before the end of the 30-day period beginning on the date on which the agency receives the notice of the dispute from the consumer or reseller.

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 2024-10-09 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: Bread Financial Holdings, Inc.
State: IN

Complaint narrative:
Comenity Bank They have repeatedly called me multiple times a day while XXXX at work and in the evening. Yesterday XX/XX/year> they called me 5 times from a registered number and 3 times from a private number. I dont ever receive private calls so its too much of a coincidence to think its somebody else, at no other times do I get private calls. Literally back and forth every hour or so. Saturday XX/XX/year>, they called me 4 times and 3 times from private numbers. Its the same pattern, them, private, them, private I missed a payment, I dont deny that. They charged me a late fee and life moves on. Ill make the payment next month or later this month. I have repeatedly told them to not call me and they say they will keep calling me until the bill is paid. Recently I closed the account because I did not agree with the increase in interest rates. That may be the result of economic factors but its no way to reward good customers. This is not the first time they have done this but Im not inclined to go back in my call logs to check unless you require the info to help establish a pattern of behavior. At this point I am considering other legal recourse for the harassment but Im starting with this. Thanks for your time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: PA

Complaint narrative:
Helvey and Associates , Inc sent me a letter on behalf of XXXX XXXX and threatening to report me to the national Credit Bureaus. According to their letter I have a total due of {$150.00} to pay XXXX XXXX. I dont understand what was it about. I have attached my receipt of payment to XXXX XXXX ( XXXX XXXX ) that on XX/XX/year>, I paid {$230.00}, and on XX/XX/year>, I paid {$340.00}. Now, I dont know what was the {$150.00} for. Also, this power company are not making any sense in their charges to me. I have reported them to my states complaint board, but nothing happened, I was the one that was blamed by the investigator.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: IL

Complaint narrative:
I recently checked my credit report and saw accounts reporting that I do not recognize

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 2024-10-09 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: TX

Complaint narrative:
These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against 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 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Urgent Complaint Regarding Blocked Account and Unresolved Issues with Citi Bank ( About COMPLAINT ID : XXXX, SUBMITTED ON XX/XX/year> ) To Whom It May Concern, I am writing to file a complaint regarding ongoing issues with my Citi Bank account XXXX which has been blocked since XX/XX/year>. This situation has caused significant financial hardship, and despite my repeated attempts to resolve the matter, I am unable to access my funds. 

The issue began when I conducted two ATM transactions ( both for {$300.00} ) on XX/XX/XXXX. Shortly after, my account was blocked, and all transactions and access to my funds were denied. I contacted Citi Bank, and they informed me that they had sent a letter to my address for verification. However, I never received this letter. 

Additionally, Citi Bank is unable to verify my phone number, which I have used since XX/XX/year>, when I arrived in the United States. I verified my phone number with my provider, XXXX XXXX, and confirmed that it is linked to my name, but Citi Bank has been unable to do the same. 

Over the past several weeks, I have called the bank numerous times, each time being told to wait for the letter. After 14 days, they escalated my request to a higher authority, but there was no progress. I followed up again on XX/XX/XXXX, and they informed me they would resend the letter, but there was no guarantee that I would receive it. 

Since then ( XX/XX/XXXX ), I have moved to a new address, which I updated in Citi Bank 's system through their mobile app. Despite this, they have refused to send the letter to my new address. I even suggested sending the letter to my nearest branch so I could verify my identity in person, but they declined this option as well. As of now, Citi Bank has sent another letter to my old address, asking me to wait until XX/XX/XXXX. 

I am in a very difficult position as my salary is being deposited into this blocked account, and I can not access my funds. This situation has left me without any cash on hand, and I have been forced to rely on my foreign card for daily expenses, costing me significantly. 

As evidence, I am submitting my receipt from the ATM transaction that triggered the account block. 

I kindly request that the CFPB investigate this matter and assist me in resolving this issue promptly, as it is severely impacting my ability to meet my financial obligations. 

Attachment : Receipt of ATM transaction, My new address proof. 

I am also willing to verify my identity by bringing any legal documents or in person to my nearest Citi bank branch. 

Thank you for your attention to this matter. 

Best regards,

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 2024-10-09 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: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

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 2024-10-09 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I have already reached out to the credit bureaus regarding the inaccuracies on my credit report, but unfortunately, they have not taken the necessary steps to fix them. These errors are significantly impacting my creditworthiness and making it challenging for me to access favorable financial opportunities.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: AMERICAN EXPRESS COMPANY
State: MA

Complaint narrative:
I reported a {$160.00} theft, by Amex customer service, it was supposed to be returned on my most recent statement ( XX/XX/year> ) and the amount stolen was not. Requested the following action : " Retain this thread, it is going to your internal audit. '' A report was sent to them via the Amex ethics hotline, with the following details about the response. 

XXXX Individuals Responsibilities Any individual who suspects a serious breach of Company policy or the law has occurred should report it immediately to his/her leader, and it is expected that most issues are to be resolved appropriately through this channel. If it is impractical or inappropriate for the individual to notify their immediate supervisor, the individual may contact any of the following : the XXXX, XXXX XXXX XXXX ( XXXX ), XXXX XXXX, Compliance, the XXXX XXXX XXXX ( XXXX ), or the Amex XXXX XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX Although the Amex XXXX Hotline provides for anonymous reporting, the Company encourages individuals who wish to report potential wrongdoing to identify themselves through whatever channel they contact, and to provide only objective factual evidence to support their allegations. Regardless of what channel is notified of the allegations, the name of the whistleblower may not be disclosed to the target ( XXXX ) in any jurisdiction that prohibits such a disclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: TX

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of TILA US Code 1666B since I was never late. 

I recently reviewed my consumer report and noticed an incorrect late payment record on my XXXX XXXX  account [ XXXX ]. I have always maintained timely payments on this account. Under the Fair Credit Billing Act ( FCBA ) and the Truth in Lending Act ( TILA ), creditors are required to accurately report consumer transactions and provide a mechanism for correcting errors in a timely manner. Please conduct an investigation into this matter, and if you can not provide documentary evidence of these supposed late payments, I demand these payments to be updated to on time as they should be as I was NEVER late. I expect these updates to be made promptly, in compliance with the law. 
"

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-09 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Problem related to refinancing
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: TX

Complaint narrative:
AFFIDAVIT OF FRAUD I, XXXX XXXX, has being duly sworn, do hereby depose and state the following : 1. Affiant Information Name : XXXX XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX  XXXX Phone XXXX Email : XXXX XXXX. Vehicle Information Make : XXXX Model : XXXX XXXX XXXX : XXXX VIN : XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXX XXXX. Description of XXXX In XXXX, I was a victim of fraud related to the aforementioned truck. I was contacted by XXXX in XXXX, who stated the payments were late on the truck. I cosigned this truck in XXXX, and immediately after, the primary signer XXXX XXXX fled the country to XXXX with the truck. I have had zero contact with XXXX XXXX since that day and have never been in possession of the truck. He successfully evaded authorities until XX/XX/XXXX, his whereabouts never known. He never registered the truck, never contacted XXXX for permission, never had insurance, and never refinanced the truck in his name solely, as court ordered. The court then found him in contempt and the case was filed in XXXX, also. ( XXXX no. XXXX. ) XXXX XXXX evaded the courts and never responded, nor followed the court order. The truck was then seized by XXXX XXXX authorities in XX/XX/XXXX ( XXXX no. XXXX. ) XXXX authorities contacted me and I had the car shipped to the states, so that it could be returned to the XXXX dealership for auction. This truck 's late payments have hurt my credit, I had to pay for the police impound and shipping fees, and I am now getting collection letters. The truck was immediately taken across the border and there has been no contact or sighting since XXXX. 


4. Details of Transaction - The transaction involved XXXX XXXX ( now XXXX XXXX ) in XXXX XXXX XXXX in XXXX. The truck was taken over the XXXX border immediately after the paperwork was signed. 


5. Statement of Truth I affirm that the information provided in this affidavit is true and accurate to the best of my knowledge. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: OH

Complaint narrative:
I opened my account XX/XX/year> and I had {$600.00} put into my account and I tried to XXXX {$550.00} and other one of {$20.00} to my fianc on XX/XX/year> and those transactions got put on hold then they locked my account and wont give me access to my account unless I drive far away to one of their branches I have offered to email them whatever they need to be able to get access to my fund but they wont do it unless I drive to them and I told them I couldnt drive to them and even if I wanted to they have my money so I wouldnt be able to drive there and they got very rude with me over it.

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 2024-10-09 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I hope you're doing well. I've run into a bit of a problem. While going through my credit report, I noticed some things that don't seem quite right, and it appears my identity have been stolen online. My nephew, who's studying XXXX XXXX, helped me out by finding a way to check if my XXXX emails were involved in this breach. To my surprise, it turns out that 2 out of 3 of my emails contain a lot of my sensitive and personal information. I want to emphasize that I'm not the one behind these accounts. It would mean a lot to me if you could assist in removing the following from my credit report. Please see the attached file for what I am complaining about and take immediate actions.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-09 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: Experian Information Solutions Inc.
State: MN

Complaint narrative:
There are items on my credit report that have resulted from fraud to which I never benefitted from. I have reported them to the federal trade commission but they are not removed from my 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 explanation