vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: TD BANK US HOLDING COMPANY
State: NH

Complaint narrative:
The bank sent me a letter stating " We're writing today because you haven't used your TD Credit Card account for at least 16 months. We've closed your credit card account with use because it is inactive.... you have 60 calendar days from the date of this letter to redeem remaining rewards points before they are forfeited. '' First, this is not true : the card has been used within the past 16 months as reflected in monthly statements. 

I called the customer service number to attempt to redeem those remaining rewards and despite the website saying 24/7 availability, the customer service rep said no, that department is only limited hours, you have to call back the next day at a different number. I did, and had to go repeatedly re-enter full card number and authentication information into a system that couldn't find the account ( presumably because it was closed ). The rep there said they could not redeem the remaining rewards because it the available amount ( {$8.00} ) was less than the {$25.00} threshold and because the bank closed the account there's no way of getting it there, so the bank will just keep remaining amounts from this " Cash back '' card they sold as having great benefits for " cash back '' of a small percentage of purchases. When I asked for the advertised cash back to be applied I was transferred to applications, then back to rewards, then to customer service, and back, being told by folks in the rewards department there aren't any supervisors who can deal with the issue there ( only in customer service ) and in customer service that they don't have anything to do with any rewards ( they only sell the great benefits of those cash back rewards that can't actually be redeemed ) and they're not willing to do anything about fixing issues that led to the false statements in the letter ( e.g. the 16 month inactivity opening line, which just isn't true ). Each person I spoke with had to get all the authentication information ( full card number, full name, data of birth, last four digits of social security number, current and previous full address ) all over again ; it wasted lots of time and still did not yield results.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: U.S. BANCORP
State: ID

Complaint narrative:
My husband died XX/XX/XXXX. We held 3 checking accounts with USBank that are joint and payable on death - combined amounts totalling around XXXX XXXX. My primary credit card is through USBank, and I do a lot of bill pay through them online. 

When I took in the death certificate last week to report the death as required, they cut off access to all my accounts and froze them. Said I needed to provide proof of survivorship, proof of estate, or other such legal documents to unfreeze my own money. 

This is not a valid legal requirement. My attorney quickly drew up papers showing I'm surviving account holder and sole executor. I should have access again next week after quick legal process- but I should not have to go through this. It's sexist, for one thing, and will be especially unfair to surviving dependents who are financially stressed. 

An XXXX  from USBank life events dept emailed me and also attempted to reach me by phone. Of course their business hours work in a different time zone, so I could not speak to her personally. I've answered an email and said I was very dissatisfied. No real dialogue with anyone up to this point except with local bankers that froze the account. 

I am a well-off widow with access to other funds and I can afford attorney fees. What about a widow who is NOT so well off, and whose partner dies suddenly? What's happening to the bills that should have been autopayed last week? This practice is wrong on so many levels... It should be resolved soon for me, because I have been aggressive, but the whole thing is just preposterous.

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 2023-03-25 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I opened a savings account with this email Citibank sent me in XXXX. I completed all the requirements in this email to earn {$450.00} bonus reward I deposited and maintained XXXX for 60 days requirements. I still have maintained over XXXX in this account as if today. I have made dozens of phone calls and texts talking to Representatives that get me nowhere. They've opened a case and it has been open for months still no response. I called again yesterday and they said I'm not eligible for the bonus and to call a number and still giving me the runaround. I've talked to supervisors and texts where they have said I definitely am eligible for the bonus and it will be deposited into my account by XX/XX/XXXX. It was not deposited so I called again and they said they're still waiting for a response from the dispute team and I should have an answer soon. Still nothing after dozens of calls and texts and them saying I will get the bonus don't worry. I did all activities requirements for bonus assured by Citibank id get the bonus now six months later still nothing and no communication on their part letting me know status. I have saved many of our text conversations and they said when I called all the correspondence is in my file. So documentation of all this hassle I've been through. So disappointed!

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 2023-03-25 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: GA

Complaint narrative:
XXXX company is reporting the personnel loan as a negative account when the account was paid and closed. Also, listing late payments when account was closed and no data to report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
XXXX company is reporting the personnel loan as a negative account when the account was paid and closed. Also, listing late payments when account was closed and no data to 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
Consumer complaint received 2023-03-25 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: IL

Complaint narrative:
On ( XXXX ) I sent a letter regarding inaccurate XXXX  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 2023-03-25 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: GA

Complaint narrative:
On ( XXXX ) I sent a letter regarding inaccurate XXXX 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 2023-03-25 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: FL

Complaint narrative:
Dear Equifax , Inc., there has been an Court order issued to you by the United States District Judge of the Southern District of Florida to forward a copy of this order to you. Upon receipt of notice will serve as I, XXXX XXXX ( XXXX ) have complied with the instructions of the Order which is to forward a copy to ( Defendant ( s ) ) in addition, you must comply with all the instructions of the order. See attachments. Best regards. XXXX XXXX ALL RIGHTS RESERVED UCC 1-308.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: CITIBANK, N.A.
State: NC

Complaint narrative:
Fraudulent inquiries made using my information were made that I did not authorize XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX these are all dates of the inquiries I did not authorize XXXX approved the inquiries allowing fraudulent credit card account to open resulting in XXXX dollars of debt on XXXX And XXXX XXXX XXXX XXXX XX/XX/XXXX resulting in XXXX dollars of debt I filed a dispute form for fraudulent accounts with XXXX and freezed my credit as well as placed a fraud alert on 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 explanation
Consumer complaint received 2023-03-25 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: KY

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 2023-03-25 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: GA

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

Account name : XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXX # XXXX, Account name : XXXX XXXX XXXX XXXXXXXX, Account name : 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 2023-03-25 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I was a loyal customer for over 15 years with BofA. I had about $ XXXX balance my credit card with them. During the Covid pandemic, I experienced some financial hardship and missed a few payments but chose to use much of the stimulus money I received to pay the card balance thinking I would be able to use the card to cover living expenses. However, when I attempted to use the card, I found that BofA had closed my account without informing me. The account closure not only caused additional financial hardship since I was unable to access the stimulus money needed to cover living expenses, my credit score took a massive hit as this account made up the bulk of my credit limit. I was unable to get any other credit lines because my utilization was now in excess of 100 %. I tried multiple times to ask for BofA to reinstate my account not only to pay the balance down but to have access to the credit limit that took me 15 years to build with them. They refused to reinstate my account, sent me to collections, levied a judgement against me, and are now garnishing my wages. I don't have a problem paying the balance I originally owed. I do have an issue with paying for double that amount in legal fees that resulted from an action they took against me ( closing my account ) that I did nothing to warrant.

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 2023-03-25 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: NJ

Complaint narrative:
To whom it may concern : According to 15 U.S.C 1681 ( 4 ), There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. 15 U.S.C 1681b, Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : In accordance with the written instructions of the consumer to whom it relates. 15 U.S.C 1681c, Except as authorized under subsection ( b ), 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. With that being said, there is no such thing as public information. The consumer has the right to privacy. If I don't want something on my credit report, it doesn't need to be on my credit report because I have the right to privacy. The following is a list of accounts that violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 : XXXX XXXX XXXX ; Account # : XXXX, XXXX XXXX XXXX XXXX  Account # : XXXX, XXXX XXXX XXXX XXXX Account # : XXXX XXXX XXXX  ; Account # : N/A, XXXX XXXX XXXX ; Account # : 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 2023-03-25 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: KY

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 2023-03-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
XXXX continues to report an account on equifax that was removed from XXXX and XXXX. This account is old and over 7 years from first delinquency. Why is this account still on equifax and has not been on XXXX  for over 2 years. It was removed from XXXX in XXXX. I have sent 609 letters to equifax requesting all information including the original contract with my signature. I have 2 accounts with XXXX  the old charge off is the one that needs to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: LA

Complaint narrative:
XXXX The XXXX XXXX XXXX. Sent in multiple disputes no knowledge of this account and noticed activity dates are different from XXXX and TransUnion.

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 2023-03-25 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: MO

Complaint narrative:
On XX/XX/2023, I mailed a letter to two credit reporting agencies to get personal information removed that doesn't belong to me and I have not received any letters about or updates about the data being removed. I have refreshed my credit report on my credit monitoring site and the old information still appears.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25 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: MI

Complaint narrative:
The credit reporting agency stated that they validated with the Court System a XXXX  on my report. Attached is an affidavit letter from the court system stating that they do not report to this agency at all, and the information provided is inaccurate. The validation is indeed false. 

Name and Adress is incorrect. 
I have never given authorization to release anything affiliated with my identity to any agency The court has not given any information or authorization. 
Please remove my social security number out your system completely

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-25 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: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I received a copy of my credit report. To my surprise, you are reporting this account incorrectly. This collection account is showing a past due balance of XXXX to complete credit solution. According to the FRCA I have a right to an accurate credit report. Please remove this item immediately from my credit report. Also want to do the same thing with the The first premier bank account is showing a past due balance of {$650.00}. And the last account showing a past due balance is acceptance now. Showing a past due balance of XXXX. According to the Fair Credit Reporting Act ( 15 USC 1681 et seq. ), I have the right to dispute any inaccurate or incomplete information on my credit report. Please remove these items immediately from my credit report. Please provide a copy of my new credit report reflecting this account removed upon completion

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