vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-18 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
3rd time this company has charged me a fee after I had already paid the card off in full before the next billing cycle. Granted it wasn't before the first billing cycle after I bought the item, but I pay off the card in full. I owe 0 before the next billing cycle and they charge me a fee. They have done this to me 3 times now. I paid the {$2.00} once. The other 2 times I had to fight it and they were " Oh so generous and waved the fee ''. This is the only company that does this, repeatedly. It's a Macy 's credit card. First was store only, this time it's a Macy 's Amex card. I had paid it off on XX/XX/XXXX in full and today I got a bill for {$2.00} and spoke to me telling me because I hadn't paid it off in full. This is frivolous charges, and the only company out of several that has ever done this. Other companies don't charge anything as long as you pay the bill in full before the next billing cycle. Then they lie and say " well it's because we don't charge interest in advance ''. No one does, you only start charging after the first billing cycle and once it's paid in full... quit charging. Not them.

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 2023-02-18 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: NY

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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 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 explanation
Consumer complaint received 2023-02-18 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:
On XX/XX/XXXX, a letter was sent from XXXX that the investigation was underway and I would receive a response. 
On XX/XX/XXXX, a letter was sent with an enclosed check for {$120.00}, dated the XXXX. The letter stated a separate response will be mailed detailing this regarding the credit card that has been closed. 
I contacted the listed person, XXXX XXXX for clarification and left a voicemail XX/XX/17. 
This can not be the amount to suffice a credit card opened for {$1500.00}. I was to receive my refund once the full {$140.00} was paid. Instead, it was closed and the money has still not been returned. 
In addition, this information is still reporting inaccurately on my Experian and XXXX reports.

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 2023-02-18 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: OH

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and may have got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: OH

Complaint narrative:
On ( XX/XX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-18 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I made a deposit to my Bank of America checking account after being assured by the teller inside that the funds would be available immediately next day. Then I get a pringlt out stating the funds are on hold until the XXXX. I call and they tell me the funds will release on the XXXX by 9XXXX. Funds were still not released on the XXXX. I call again and they now tell me the funds are on hold until the XXXX. 

The check deposited was a pre printed payroll check that will withdraw funds from another Bank of America 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
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: LEXISNEXIS
State: TX

Complaint narrative:
On XX/XX/2022, I received a letter from the courthouse asking if they report bankruptcies to the credit bureaus and I got a letter stating They do not report any bankruptcies to anybody. So if thats the case. How did the credit bureaus verify my bankruptcy as 100 % Accurate? They never did a fair investigation according to the 15 USC 1681.

15 USC 1681 section 603 ( 3 ) ( E ) States ; The term investigative consumer report means a consumer report or portion thereof in which information on a consumers character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. However, such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

They also violated my rights numerous times. 

The credit bureaus violated my given rights under 15 USC 1681.

According to : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

According to : 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish an account without my written instructions According to : 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 2023-02-18 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Fee problem
Company: BANK OF THE WEST
State: CA

Complaint narrative:
Bank of west toke {$130.00} out of my account and put that in a credit car payment with out my autorizacin I close the the credit car months ago paid the all amount but they said tha I have fee to pay And they took {$130.00} and put that in the credit card from my savings account with no notice Thank you Let me know I you can help 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 2023-02-18 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: ID

Complaint narrative:
I sent a dispute to Experian because they have an account misclassified as a revolving credit account which greatly affects my score. Both other bureaus have it categorized correctly as part of the home mortgage. The loan is from XXXX XXXX XXXX and its a Home equity loan. Being in revolving credit it affects my Credit Usage % by adding 50 % usage when it is less than 3 %. As soon as I asked them to correct the miscategorization they deducted XXXX points from my score for absolutely no reason other than my request.

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I received a notification from my credit reporting tool that on XX/XX/23 with a social security number fraud alert informed me that it was used associate with an address where I never lived nor has been associated with before. The address is XXXX XXXX XXXX, XXXX GA 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 2023-02-18 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Problems at the end of the loan or lease — Problem when attempting to purchase vehicle at the end of the lease
Company: BMW Financial Services NA, LLC
State: WA

Complaint narrative:
We had just paid our last lease payment and were just about to call BMW Financial to purchase the vehicle. 1-2 days after we paid that last payment, a large rock was struck by another vehicle and launched toward my wife 's car and the rock went under the car and put a hole in the oil pan. The car was then totaled by my insurance company. The value of the vehicle is worth more than the residual on the lease. I was under the impression that the over value would be sent to us to purchase a new car, but our insurance told me that BMW Financial would keep all of the money, including taxes, fees, license etc. I called BMW Financial, and they were very matter of fact with me and told me that it was their car, and they would keep the money and I couldn't purchase the car as a salvage. The car is being ripped from us, and BMW is taking all the money, unless I want to buy or lease a new BMW. In that case, they will kick back 1/2 of the money for a down payment. I usually buy XXXX and I called the general manager at XXXX because I had never heard of this happening, and he told me that XXXX would never do this to its customers because XXXX and XXXX feel this is bad faith. I will tell you ; BMW doesn't feel it's bad faith and they are very rude about their position. Also, the contract we signed clearly states at # 24 and # 25, which BMW Financial told me to look at, states : in the event of a total loss, " I will not be obligated to pay you the gap amount ( the difference between the Adjusted Lease Balance and the actual cash value of the vehicle as of the date of loss ) if the claim for total loss is actually paid to you by my insurance company. The contract says that I don't have to pay the difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Capio Partners, LLC
State: FL

Complaint narrative:
XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX Florida XXXX Asset Care LLC original creditor XXXX XXXX  Account number XXXX amount {$120.00}. 
This was taken off my account over a year ago now it is back on my account this should have been taken care of by Medicare with my insurance it was a XXXX XXXX in XXXX which was free

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XXXX XXXXXXXX is reporting that I was 30 days late in XXXX but I have an autodraft from my account every month. I have never been late, and would like for them to remove the 30 day late payment from my report, as it's been reporting as false.

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax has wrong address never had a XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 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: NY

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 XXXX XXXX XXXX : # XXXX, XXXX XXXX XXXX XXXX  : # XXXX, XXXX : # XXXX, XXXXXXXX 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 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 2023-02-18 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: NY

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 XXXX XXXX XXXX : # XXXXXXXX XXXX XXXX XXXX XXXX  : # XXXXXXXX XXXX : # XXXX, XXXXXXXX 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 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 2023-02-18 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
At or around XXXX or XX/XX/2022, I was notified by my credit reporting tool of a credit change and it was a major ding by Navient under the guise of no payment. This coincidentally at the same time where President Biden made an announcement regarding his student loan program and efforts to push it through Congress, which of course was voted down by the Supreme Court as unethical and illegal as expected. During this time, my loans were in forbearance and they were to remain in such according to the stipulations laid down because of the COVID-19 pandemic. However when I contacted Navient regarding this not only did they ignore these facts, not only did they state that I didnt have any more deferments and forbearances but they immediately had reported my account to collections, subsequently affecting my credit score. To make matters worse, upon the Supreme Courts decision against President Biden which in turn granted my stance as correct and everything returned to COVID-19 policies and such, my account ( s ) were never updated by Navient, my credit score never was adjusted, and now it is offers of deferments and forbearances regarding my account. The constant phone calls are nonsensical at this point especially when no one will ever acknowledge and make strides to restore my account and current and not delinquent in collections. It even was to the point where consolidation was encouraged and offered throughout which is an unethical practice in itself because it resets and restarts a debt under new terms that are unfavorable and in a lot of ways predatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
My name is XXXX XXXX. I am a victim of identity theft and need the following accounts to be deleted from my credit report. I have submitted documents to the credit bureaus multiple times and the items still have not been removed.

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 2023-02-18 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: TX

Complaint narrative:
On ( XXXX/XXXX/2023 ) I sent a letter regarding inaccurate Late payments, inaccurate negative accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those negative items from my credit report as well as correct my late payments as paid on time. It has been over 60 days so they should be corrected promptly. I demand these negative accounts be deleted & correct late payments as paid on time immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2023-02-18 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Climb Credit Inc.
State: TX

Complaint narrative:
climb XXXX is reporting that I was 30 days late in XXXX but I have an autodraft from my account every month. I have never been late, and would like for them to remove the 30 day late payment from my report, as it's been reporting as false.

Company response to consumer: Closed with explanation