vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2025-01-02 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 have mobile deposit on XX/XX/24 to my business savings account for {$3800.00} it says the available funds are available on XX/XX/24 then they change the availability of my funds on XX/XX/24 I went to the BOA branch to see what is the reason they changed it I did not get no response so what I did is I opened another personal account and I did deposit a cashier check from my close account XXXX. They put XXXX hold and on the XX/XX/24 I called them about my branch deposit they hanged up the phone and I was restricted on my account then I called on the XX/XX/24 I was told the last deposit I have is not going to release to me they will returning the check from XXXX XXXX  and they will close all my accounts XX/XX/24., only XXXX XXXX  can get the funds it was recorded then I said OK so I called XXXX XXXX  about it. XXXX XXXX  said they can not help me the check was already cash out theres nothing they can do! There was no return funds Its been over a month now I have bills to pay I never had late on my payments on my rent. I have XXXX kids and new born baby all my money was taken from my account they sent me cashier check XXXX $ from my business account they took out the food on my table for XXXX and also for new year its almost the end of the month again the bills is coming I have to pay car insurance, power and water and gas, also food I have no money left and I dont want to get any problems on top of this. Then i went to set up appointment to XXXX  branch I have all my documents and a letter from the office of the XXXX XXXX it was indicated that the cashier check they sent to me was already negotiated with Bank of America., XXXX advised me to go the Bank of America and ask them then the next day I have appointment with BOA I explained everything to the manager and he just make a phone call then he pass the telephone to me the person on the phone said that they have my funds and they wont what release to me and theres no timeframe. I was restricted on my account before my check was cleared on the XXXX XXXX I git notified about my available funds was cleared that date and they close my account withdraw my money with out informing me on what they are doing all I know they will send the check to my XXXX XXXX. I find out all this information in the branch all the call center agent doesnt know what they are doing unprofessional agent! They even pretend that they cant hear me and hang up the phone!

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 2025-01-01 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Subject : Complaining Regarding Junk Fees and Reporting Inaccuracies by Citibank and XXXX XXXXXXXX XXXX Dear CFPB I am writing to formally file a complaint against Citibank regarding inflated charges and excessive fees to my account ending in XXXX. I believe these charges are in violation of several federal and state consumer protection laws including the Truth in Lending Act ( TILA ), the Fair Collection Practices Act ( FDCPA ) and the Credit Card Act of 2009. This has caused significant emotional and financial damage. 
Details of the Complaint 1. Inflated /Junk fees : I have been charged fees that appear to be excessive and disproportionate. There are charges and fees of more than {$4200.00} as the balance on the account was {$3900.00}. The charges imposed by the bank were higher than the credit limit on the credit card. {$3900.00} was charged in interest and {$260.00} in fees totaling in excessive amount of {$4200.00} in junk fees. The amount that they have been reporting to the credit bureaus for the last couple of years has also been inconsistent ranging from {$3900.00}, {$7500.00} to {$8100.00}. These fees are Unconscionable under state unfair trade practices laws and appear to violate Federal Consumer protection laws prohibiting unfair, deceptive or abusive acts and practices ( UDAAP ). I also believe they might be higher than reasonable or typical industry standards.

2. Unclear or misleading Disclosures : The fees and charges associated with my account were not clearly disclosed from start in a manner that was easily understandable I also did not receive adequate or transparent information about the full terms and fees before I opened the account. This is a clear violation of Tila and Credit Card Act 3. Reporting Inaccuracies : Citibank and XXXXXXXX XXXX XXXX have continued to report inaccuracies to credit bureaus which has negatively impacted my credit score. Despite my attempts to resolve this issue directly with them. They have continually failed to correct or adjust the excessive fees and interest leading to account inaccuracies ; this is a violation of the Fair Credit Reporting Act which requires accurate reporting of consumer credit information Impact : The excessive fees are not only inflated but appear to be punitive and have been added without justification. Additionally, this practice creates unfair and deceptive debt collection process causing financial harm. Inflating the debt from the principal of {$3900.00} to {$8100.00} by using junk fees has damaged my creditworthiness through inaccurate reporting. I believe this constitutes a violation of the Fair Debt Collection Practices Act ( FDCPA ) and the Truth in Lending Act ( TILA ) as well as other applicable consumer protection laws like usury laws, fair lending and anti-discrimination laws among others.

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 2025-01-01 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
I went to the ATM XX/XX/year> and I attempted to make a {$500.00} deposit. However the ATM started spitting back out the cash, specifically only {$120.00}. Then an error message appeared giving me the option to input the amount that was deposited, which was strange because i never seen this prompt before. And when i typed in the amount it declined it and kept my {$80.00}! I am in utter shock I need my money back asap.

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 2025-01-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: Paypal Holdings, Inc
State: NE

Complaint narrative:
MY PAYPAL ACCOUNT WAS CLOSED WTH XXXX IN IT ON HOKLD FOR A TRANSACTION I HAD DONE THAT WAS ON HOLD TILL THE XXXX XXXX XXXXXXXX. WELL THEY DID'NT RETURN THE MONEY TO ME AS THEY SHOULKKD HAVE INSTEAD THEY SENT IT TO THE BUYER, SO NOW THEY GOT THE MONEY AND THE ITEMS I SOLD THEM AND I GOT SCREWED. CASUE THE BUYER CANT GET A HOLD OF THEM. I CALLED PAYPAL AND ASKED WHY THEY RELEASED THE MONEY BEFORE THE XXXX AND THEY SAID CAUSE THEY DID ANMD THEY ALSO TRING TO CHARGE ME {$30.00} DOLLARS FOR THIS PERSON FILLING DISP [ UTE WITH ME CAUSE OF THE HOLD THEY HAD ON THE PAYMENT FOR NO REASON. PAYPAL IS THE WHOLE REASON THIS HAS GONE THIS WAY. IF THEY WOULD Have JUST LEFT THE MONEY ALONE WOULD HAVE NOT GONE THIS WAY, THEY HAD NO REASON TO HOOLD THE MONEY OR EVEN CLOSE MY PAYPAL ACCOUNT. THEY SHOULD BE SUED FOR THE TIME AND THE BS I AHVE BEEN THREW CASUE I WASNT ABLE TO GET PRESENTS FOR MY FAMILY CAUSE THEY HAD THE MONEY ON HOLD. THEY NEED TO BE HELD ACCOUNTABLE AND PAY FOR THE XXXX THEY HAVE CAUSED ME AND MY FAMILY FOR XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HYUNDAI CAPITAL AMERICA
State: AZ

Complaint narrative:
Kia charged off an amount of debt in XX/XX/year>. Theyre reporting a charge off for multiple months on my credit. A charge off is XXXX time, they can not report multiple charge offs when there was only XXXX debt charged off.

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 2025-01-01 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: AMERICAN EXPRESS COMPANY
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ohio XXXX XXXX Account # XXXX last year Subject : Request for Account Information Dear [ Creditor 's Name or " Customer Service Department '' ], I hope this letter finds you well. I am writing to request specific information regarding my account with your organization, which has been charged off.

Please note that I am not disputing the validity of this charge-off ; rather, I am seeking clarification on the following dates pertaining to my account : 1. Date of First Delinquency 2. Date of Last Activity 3. Date Charged Off This information is important for my records and for any future financial planning. I appreciate your prompt attention to this matter and look forward to your response. 

Thank you for your assistance. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Your failure to comply with FCRA 15 U.S. Code 1681s2 ( 3 ) is unacceptable. Over 35 days ago, I disputed inaccurate items on my credit report. By law, you are required to mark these items as disputed within 30 days, yet you failed to do so. This has caused me to lose financial opportunities and suffer unnecessary stress due to your negligence. 
The Fair Credit Reporting Act is clear : furnishers of information must include notice of disputes when reporting to credit agencies. Your agency 's failure to follow this requirement violates my rights as a consumer. These inaccurate accounts must be deleted immediately, as your noncompliance has caused harm and defamation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Chime Financial Inc
State: GA

Complaint narrative:
I had accidentally sent XXXX XXXX  to the wrong user, I call to dispute it & they say they simply cant help me with my dispute. theyve also done this with a XXXX XXXX + unauthorized purchase a few years ago. in that case they said since the merchant accepted the money they cant help me. I contacted the merchant & they said that it was up to CHIME TO MAKE THAT DECISION. they have issues with handling disputes, it needs to be addressed & resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
Upon reviewing my credit report, I discovered that incorrect personal information has been listed, which has resulted in the appearance of accounts that I do not recognize or own. This situation is both troubling and unacceptable, as these inaccuracies are impacting my financial record.

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Upon reviewing my credit report, I discovered that incorrect personal information has been listed, which has resulted in the appearance of accounts that I do not recognize or own. This situation is both troubling and unacceptable, as these inaccuracies are impacting my financial record.

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 2025-01-02 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Didn't provide services promised — 
Company: John C. Heath, Attorney at Law, PLLC
State: VA

Complaint narrative:
Charge me for credit repair and did not provide and resolve or help in credit

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 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: CT

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 XXXX out of XXXX 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. these are the accounts :

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 2025-01-01 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: CO

Complaint narrative:
The company is XXXX  XXXX XXXX and this company XXXX XXXX has been reporting a charge off on my credit report for multiple years. I have sent them certified paperwork to request that they send me a certified copy proven instead because I have no recollection of having any kind of car loan with this company the car that I received I paid for. There's no outstanding balance on it it was paid in full. I requested that they send me a certified copy of the documentation they have on me and they sent the certified letter back to me unopened XXXX times. 
I have been denied for a new vehicle for the last XXXX  years now because of this report on my credit report that's not true.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I am writing to formally dispute and request the correction of inaccurate personal information appearing on my credit report. Upon reviewing my report, I identified several discrepancies regarding my address. These inaccuracies are not associated with me and must be removed to ensure the accuracy and integrity of my credit profile. To ensure my credit report reflects accurate and up-to-date information, I request that my personal information be updated as follows : Full Name : XXXX XXXX Address : XXXX XXXX XXXX, XXXX, NJ XXXX Social Security Number : XXXX Date of Birth : XX/XX/year> To support my request, I have included the following documentation : A copy of my government-issued ID confirming my legal name and date of birth. 
A recent utility bill to verify my current address. 
A copy of my Social Security card to confirm my SSN. 

This correspondence serves as a formal dispute under the Fair Credit Reporting Act ( FCRA ). I respectfully request that your agency : 1.Conduct a thorough investigation to identify and remove any inaccurate personal information from my credit report.

2.Update my credit profile to reflect the correct information as listed above.

3.Provide me with a written confirmation once the corrections have been made, along with an updated copy of my credit report. 

XXXX XXXX XXXX XXXX XXXX, XXXX, NY, XXXX XXXX XXXX XXXX, XXXX, NJ, 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 2025-01-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Repossession — Loan balance remaining after the vehicle is repossessed and sold
Company: General Motors Financial Company, Inc.
State: GA

Complaint narrative:
The number provided is not the number to this company. I've tried reaching them for over a year

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-01 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: OH

Complaint narrative:
Hello, I have a Midland collection account on my XXXX report from an alleged XXXX  XXXX card account that is over XXXX years old. I actually have XXXX accounts with XXXX  XXXX right now not only is this account in accurate. It doesnt even make sense because why would one give me XXXX accounts if I had XXXX recently that was in collections. Ive asked for validation of this debt and was just given a few statements when I asked for their right to collect on the debt, including a full unredacted copy of their purchase agreement or assignment agreement and they did not provide it. 

This inaccurate account is hurting my credit unjustifiably and the collection company should be held liable for it. It should at the lease be removed because its over the statue of limitations and the dates are incorrect because I didnt have it XXXX  XXXX account that was opened in 2018. I had XXXX open way before that, but it was included in a bankruptcy.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: Marlette Funding, LLC
State: NC

Complaint narrative:
As part of an unlawful conspiracy to retaliate against me for complaining to another federal regulator, several bank employees conspired to invent provably false allegations to retaliate against me for making an allegation of discrimination. I was berated and screamed at for XXXX minutes by a bank employee - who invented a lie that I made comments about a phone agent being white ( I never did - and had no way to know the race or location of any phone agent ). She then invented a totally false allegation- with no support and only to illegally retaliate against my allegation - that I was discriminating against her. My allegation of discrimination against the bank was XXXX of systemic discrimination and I had never accused any specific employee - but nevertheless this was unlawful retaliation. I was then screamed at - as if I were an animal - by multiple employees that I was lying to them. Due to the conspiratorial and malicious misconduct of several bank employees, I am now fearful for my safety.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
Subject : Request for Removal of Unauthorized Hard Inquiries To whom it may concern, I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. Upon reviewing my credit file, I noticed the following inquiries that I did not authorize : [ XXXX XXXX ] [ XX/XX/2024 ] In accordance with the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 ), hard inquiries require express authorization from the consumer. If an inquiry is not authorized or verifiable, it must be removed from my credit report under Section 611 ( a ), which grants me the right to dispute inaccurate or unverifiable information. 

As these inquiries were not authorized by me, I am requesting that you immediately investigate and remove them from my credit report. I have attached a copy of my identification. 

Please be advised that, at this time, I have placed a freeze on my credit to prevent any potential fraudulent activity due to the unauthorized inquiries. I believe this precaution is necessary to protect my credit and personal information while we resolve this issue. 

Please provide me with written confirmation of the removal of these inquiries or, if you believe these inquiries were authorized, provide proof of my consent. Failure to do so within XXXX  days constitutes a violation of the FCRA and may result in further action. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates to my address above.

Company response to consumer: Closed with explanation
Consumer complaint received 2025-01-02 00:00:00
Product: Credit reporting 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: IL

Complaint narrative:
To whom it may concern, I am writing to formally dispute several unauthorized hard inquiries listed on my credit report. Upon reviewing my credit file, I noticed the following inquiries that I did not authorize : [ XXXX XXXX ] [ XX/XX/year> ] In accordance with the Fair Credit Reporting Act ( FCRA ), Section 604 ( a ) ( 2 ), hard inquiries require express authorization from the consumer. If an inquiry is not authorized or verifiable, it must be removed from my credit report under Section 611 ( a ), which grants me the right to dispute inaccurate or unverifiable information. 

As these inquiries were not authorized by me, I am requesting that you immediately investigate and remove them from my credit report. I have attached a copy of my identification. 

Please be advised that, at this time, I have placed a freeze on my credit to prevent any potential fraudulent activity due to the unauthorized inquiries. I believe this precaution is necessary to protect my credit and personal information while we resolve this issue. 

Please provide me with written confirmation of the removal of these inquiries or, if you believe these inquiries were authorized, provide proof of my consent. Failure to do so within XXXX  days constitutes a violation of the FCRA and may result in further action. 

Thank you for your prompt attention to this matter. Please confirm receipt of this letter and provide updates to my address above.

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