vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Incorrect information on your report — Account information incorrect
Company: LoanCare, LLC
State: SC

Complaint narrative:
During COVID we took forbearance for some months. When we were able we began making our regular payments again. A few months later we were notified of time to repay our debt. XXXX. I was given almost no time to collect the money and repay out of pocket. I was force to modify our loan and lump the payments in. This was not supposed to negatively affect my credit for the rest of my long foreseeable future. If I was notified that I would not be able to raise my credit over XXXX XXXX years down the road I wouldve tried to find a way to pay in full, even with only the XXXX days I was given to pull the money together. I just got done being in forebearance and hardship, how would I have {$15000.00} to give them that fast. 

XXXX years later Im experiencing serious problems with my credit due only to a comment by loancare. I can not get a mortgage with reasonable rates. We are experiencing extreme stress as our family grows and because of loancare and this COVID forbearance I cant get a fair shot at reasonable rates.

Congress passed the CARES act so that this exact situation wouldnt happen to the American people just trying to make it. 

Please help me remove this remark from my credit. We always complied with loancare and they cant seem to comply with the simple laws of our congress. 

Sincerely, 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 2023-08-17 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: MO

Complaint narrative:
We have a savings account with CitiBank opened in XX/XX/XXXX. For several months we've transferred the interest earned on this account into our external, personal checking account, via desk top computer and the internet website for our account. We tried to do this around XX/XX/XXXX. XXXX but it would not let us transfer the money. We've called CitiBank various times since then but still can't get our money ( {$26000.00} ) out of this account. When we call them we only get foreign speaking people so the communication is nearly impossible. Everyone we talk to claims to be a supervisor. We've had no results. We want our money OUT of this virtual XXXXXXXX.

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 2023-08-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem with paying off the loan
Company: U.S. BANCORP
State: OH

Complaint narrative:
On XX/XX/XXXX from my lending institution XXXX XXXX XXXX sent a certified check in the amount of {$24000.00} as lease payoff amount as agreed with the payoff instructions provided by US bank/US Bank Dealer services to purchase the leased vehicle ( XXXX XXXX XXXX XXXX the end of lease ). On XX/XX/XXXX through a telephonic conversation I was informed that the check was returned due to endorsement missing. Upon enquiring further with the lending institution I.e. XXXX they informed me the US BANK/US Bank Dealer services didnt properly endorse the check causing it failed to process. Consequently US Bank kept my account open and added penalty amount for not paying off monthly lease charges. This appears to be gross negligence from US BANK/US Bank Dealer service not properly endorse the check and put liabilities on customer. During this period I have made several attempts and reasonable efforts to connect to their department and spoke with at least XXXX supervisors and explained the problem but still at the end of more than XXXX weeks the lease account still open and they failed to address the issue. They failed to communicate in timely manner and made situation very difficult. I have attached the copy of the payoff instructions sent by US BANK/US BANK Dealer Service , copy of XXXX shipment as Proof that my lending institution sent the check and received by XXXX  on XX/XX/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 2023-08-17 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: TX

Complaint narrative:
This presents a violation according to the regulations within 15 U.S. Code 1681s-2, which delineates the responsibilities of entities that furnish information to consumer reporting agencies. Prior to its reporting, no written notice regarding the account was provided. Consequently, I am formally requesting the elimination of this account from my credit report, as I contest the validity of the alleged debt. Additionally, this action appears to contravene my rights as outlined in 15 U.S. Code 1681b ( 2 ), which specifies acceptable purposes for consumer reports. The account was reported without my explicit consent, and it seems that my social security information has been utilized improperly. Given my status as an identity theft victim, it is crucial to emphasize that 15 U.S. Code 1681c-2 mandates the blocking of such data without my explicit written authorization. As per 15 U.S. Code 1681a ( 4 ), consumer reporting agencies are obligated to respect my privacy rights. Nonetheless, it is evident that my privacy rights as a consumer have been transgressed, as the information was disseminated publicly without my authorization. Accordingly, I hereby formally insist upon the prompt removal of this account from my 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 2023-08-17 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: TX

Complaint narrative:
This presents a violation according to the regulations within 15 U.S. Code 1681s-2, which delineates the responsibilities of entities that furnish information to consumer reporting agencies. Prior to its reporting, no written notice regarding the account was provided. Consequently, I am formally requesting the elimination of this account from my credit report, as I contest the validity of the alleged debt. Additionally, this action appears to contravene my rights as outlined in 15 U.S. Code 1681b ( 2 ), which specifies acceptable purposes for consumer reports. The account was reported without my explicit consent, and it seems that my social security information has been utilized improperly. Given my status as an identity theft victim, it is crucial to emphasize that 15 U.S. Code 1681c-2 mandates the blocking of such data without my explicit written authorization. As per 15 U.S. Code 1681a ( 4 ), consumer reporting agencies are obligated to respect my privacy rights. Nonetheless, it is evident that my privacy rights as a consumer have been transgressed, as the information was disseminated publicly without my authorization. Accordingly, I hereby formally insist upon the prompt removal of this account from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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:
This is my complaint to TRANSUNION for taking no action on correcting and removing the fraudulent accounts that are still reflected on my credit report and continue to damage my reputation. I sent out several dispute letters but until this time no further action has been taken. I have attached my FTC report with report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

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 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: DE

Complaint narrative:
On XX/XX/23, I visited the XXXX XXXX XXXX XXXX, XXXX, DE XXXX location to deposit cash. I was given a receipt for {$1500.00} cash deposit. After I left the bank, the branch manager called to tell me that a mistake had been made and that I would only be credited for {$1400.00}. This, despite the fact that I was given a receipt stating a {$1500.00} deposit. The manager explained that after I left, the money was recounted and they discovered their " mistake ''. I asked why I was given a deposit receipt before a final count was done and the manager was not able to give me a satisfactory answer. I asked if he could prove to me that the teller had not pocketed {$100.00} after I left the bank. He did not offer to review camera footage and did not offer me any avenues to dispute this issue. I am disgusted with how I was treated by the staff at this Wells Fargo branch. In addition to having to navigate this stressful situation, I had to take time off work to return to the branch for what was their " mistake ''. I will also be reporting this to many local news outlets.

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 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: Chime Financial Inc
State: TN

Complaint narrative:
My fianc, who lives with me and has XXXX kids with me, transferred {$500.00} to my account on XX/XX/2023, and Chime " flagged '' that as suspicious and suspended my account. They demanded i provide pictures of my ID, social security card, and proof of income over the last 3 month period, as well as proof that my fiance owned her account, and that she intended to send it to me. After XXXX weeks of emails ( no phone number is available for the " XXXX '' team, nor would any of them contact me to figure out what more they could want from me ), i provided every document they requested, and instead of restoring my account, they closed it entirely on XX/XX/2023, and claimed my funds ( {$1200.00} ) was not eligible for a refund because I did not provide enough " proof of ownership ''. I provided everything they asked for, called support regularly to check the investigation status, and tried to figure out if i could send any more documents to help make the process easier, and still they illegally took my money saying i violated Chime policies, but never stated what policy. I have countless emails i can provide for review, and call logs to show how persistent i was.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I tried to contact the these creditors this month but got no response

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 2023-08-17 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
ve Asked XXXX, XXXX XXXX, and also XXXX, to do a verification on my credit report and theyve stated that everything was accurate And Verified. 
Ive seemed un ease with these responses and Ive had to do my own investigation and research towards my credit report. 
While investigating Ive found thorough inaccurate and inconsistencys that are being reported even though Ive asked these companies for a proper and accurate research. Ive Called Each Company And Mailed A Letter For A Valid Response For These Inconsistencies Ive Also Mailed Letters For This. 
For Accounts : XXXX XXXX XXXX XXXX Account XXXX Company Name : XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX Company Name : XXXX XXXX XXXX XXXX Account XXXX Company Name : XXXX SYNCB/XXXX Account XXXX Company Name : Synchrony Bank XXXX XXXX, XXXX. 
Account XXXX XXXX XXXX XXXX Account XXXX XXXX  XXXX XXXX XXXX Account XXXX Cred.Ai In accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX, XXXX, XXXX XXXX, XXXX has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I contacted the credit bureau about hard credit inquiries indicating that I applied for credit within the past three months. These credit inquiries were hard credit inquiries that affect my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/2023 the IRS accepted Form 1099-C, cancelling the credit card debt at Bank of America XXXX See attachment.

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 2023-08-17 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: VA

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.

The letters are stated with items and issues.

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 2023-08-17 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: LEXISNEXIS
State: VA

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.

The letters are stated with items and issues.

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 2023-08-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH

Complaint narrative:
I am being charged {$3.00} interest on a {$2.00} shortfall for a monthly statement payment of {$960.00}, the statement paid in full amount. I mistakenly paid {$960.00}, leaving a balance on the statement of XXXX dollars. I am told by Capital One that any payment not covering the full amount due invokes a minimum daily balance regulation, and this means that I am paying {$3.00} interest on a minimum daily balance of {$480.00} for the next XXXX months, even if I continue to pay future amounts in full ( which I typically do ). This resembles usury, as I am paying interest on an amount much larger that I actually owe ( {$3.00} for XXXX months on {$2.00} balance ). I find it amazing that credit card companies are able to institute this method of charging interest for money that has been submitted on time. Is this not just another unfair method of charging for services? Please examine this regulation ( also used by other credit card services, in the fine print ), and recommend that it not be allowed. This is costing consumers millions of dollars each month, who most probably do not understand how it is applied.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: VA

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.

The letters are stated with items and issues.

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 2023-08-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
On XX/XX/2023 I made a purchase at XXXX and I became occupied with a man standing behind me and I gathered my things and left. I went to the bank and discovered that my debt card was missing. I went back to the XXXX but the card was gone. I went back to the bank to report that it was missing and they told me that some transactions had already been done. A withdrawal from my savings a withdrawal from my checking and a transfer that was completed at a different chase bank ATM. Its not possible that I withdraw money from my accounts at one bank and then completed a transfer at a different bank. The bank is telling me that I withdraw the money from the in bank teller, I told them to review the cameras to prove it was not me. They continue to give me miss information and running me around. They refuse to check cameras and instruct me to go to the police and try to get the money back from the person that stole my card. Thats not likely to happen

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 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: AMERICAN EXPRESS COMPANY
State: GA

Complaint narrative:
I recently pulled my credit report and saw that i have a Collection account with the company AMEX and unauthorized inquiries listed on my credit report. The first thing i did was immediately filed a Police Report since i had been a victim of Identity Theft and someone used my name to open a fraudulent account. When i contacted the company XXXX, XXXX XXXX XXXX XX/XX/2023, The representative was extremely loud, rude, condescending and disrespectful. I am shocked that AMEX would have a person like this work at their company. I have endured a lot of stress, pain and suffering after speaking with the rep who refused to give me her name. I filed a Complaint with FTC and will also file a complaint with XXXX  against AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: VA

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.

The letters are stated with items and issues.

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