vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIZENS FINANCIAL GROUP, INC.
State: FL

Complaint narrative:
On XX/XX/2023, despite having funds availability, Citizens Bank reversed a transfer from checking to the home equity line of credit. This created a false impression that the HELOC was late. At no time did Citizens Bank provide any notification or reason for not allowing the available funds to be paid as minimum payment for the HELOC. The funds placed into the account were specifically deposited for the purposes of paying the HELOC. Said funds are unencumbered, the transfer instruction was in writing, and the funds were clear and available.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: NAVY FEDERAL CREDIT UNION
State: TN

Complaint narrative:
My navy Federal account was blocked and restricted. Due to my account being accused of being open fraudulently. I open the account. I sent in my documents such as identification, Social Security card checks stubs to where my deposits are being deposited into my Navy Federal account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: IL

Complaint narrative:
They always tell me no when I want to try to opening and 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 2023-07-12 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: Exeter Finance, LLC.
State: OK

Complaint narrative:
Exeter finance has written off my account as bad debt. I have yet to receive a 1099c and the amounts they are showing as written off do not match. They are in violation of my FCRA rights by not properly reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
To whom it may concern : I would like your company to please remove any Personal statements on my credit report such as fraud alerts or any credit freeze. Please close any open disputes. I am not dispung anything on my credit report as of today. Please open my credit file if you sll have any type of block on it thank you.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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:
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 XXXX XXXX XXXX  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 an account without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) section states : no consumer reporting agency may take 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 several 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 2023-07-12 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:
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 : DEPTEDXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-12 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Again XXXX monthly statements for XX/XX/05 and XX/XX/05 They may appear to have matching amounts, however if you notice the small difference in the amounts on both statements. XXXX XX/XX/05 statement XXXX XX/XX/05, as small as the discrepancy how is it possible to be wrong on both statements?

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 2023-07-12 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA

Complaint narrative:
Capital One continues to report incorrect information on my credit report. I called Capital One regarding them not acknowledging my payments, and reporting " no '' payment received.I was told that, because I didn't make the full payment amount that my payment was reported as a missed payment. Just recently, on XX/XX/2023, I made the full payment amount that was billed. Capital One, and this is important, as XXXX has begun the process to end its agreement with Capital One due to, will notify the credit bureau of the payment, however ; leave the utilization high, if it is in fact high. I've called Capital One about this before, when I caught them, they did it again, and I was told that they would NOT be manually updating information that they reported incorrectly. This is very dishonest, and I've asked Capital One to be more careful.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
I have reviewed my credit report and found items that I have on knowledge of. There are inquiries listed that I dont believe I applied credit for.

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 2023-07-12 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: AZ

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-12 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: Experian Information Solutions Inc.
State: AZ

Complaint narrative:
I submitted a credit repair request to a company, but they failed to respond within the 30-day timeframe required by law. This failure to respond has negatively impacted my credit and caused difficulties for me. I am now considering submitting a complaint to the Consumer Financial Protection Bureau ( CFPB ), in order to address the situation and protect my rights as a consumer.

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 2023-07-13 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA

Complaint narrative:
I had been wanting to close out my checking account as bank of America had started charging me a fee each month that I had never had before to my account. They claimed that I had signed an agreement regarding I must always have a certain amount of funds in the account that I never remember agreeing too. There was a bill that came out of that account and we had thought the bill was diverted to another checking account. So when I went to go close the Checking account, I noticed I was over drawn and tried to fix the situation as soon as possible. I was told to just come back the next day with the funds and they could close the account. The next day I came too the bank with the funds to find out by the teller that a credit card was opened in my name with out my permission to put funds from that credit card to my checking to bring it to the positive. 

I demanded to speak to a manager and the manager made the comment that they did nothing wrong. That the credit card I opened when I see XXXX and had closed they just had reopened to cover my over draft in my checking. Granted I am now XXXX! I was not happy and I tried to go to another location of that bank but they asked me to resolve the issue at the banks location that this all started at. As they would not 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 2023-07-12 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
On XX/XX/2023 at around XXXX XXXX my XXXX card was declined after I tried to purchase goods and services from another merchant that is selling equipment and furniture for my business. Immediately after, my credit limit status was changed from " no-preset limit '' to {$4700.00}. When I called that same day, I was told by several representatives that this desicion was made by their system because they believe that this merchant shares an " affiliation '' with me and that this transaction violates their merchant agreement. They stated very vaguely that an affiliation could mean an association or relationship between me and the merchant that relates to the business. However, there is no merchant agreement that would state this policy nor is there any mention of this process on the cardmember agreement that I signed and received. This policy was never stated or mentioned in any of the terms of service, agreements or documents that I signed and agreed to when I first submitted my application. I was informed by the last representative on XX/XX/XXXX that I would receive a phone call from their supervisor within 24 hours, which never happened. I called again on XX/XX/2023 at XXXX XXXX and was told by a supervisor that my only option was to speak with customer service. The representative gave me a link to the digital copy of a XXXX cardmember agreement, which does not specify anything about this " merchant agreement '' policy, nor that they do not allow certain transactions between cardmembers and merchants who are affiliated with eachother in some way. Additionally, the US cardmember agreement fails to mention anything regarding merchant affiliations with cardmembers or " merchant agreements ''. 

Lastly, I spoke with a customer representative again at XXXX XXXX who then transfered me to XXXX XXXX of the financial review team. I kindly asked her to show me this policy and she repeatedly refused. She stated very adamantly that she does not have to provide me with any information, and that neither she nor American Express will disclose any part of this policy to members and applicants in their cardmember agreement and terms at any time during the application process and during our membership with the card. 
She also stated repeatedly that this is their " process '' and that nothing will change. 

American Express failed to provide me with their full terms and conditions before I signed their agreement, and XXXX XXXX of the CRAT department also refused to provide me with the full terms and conditions of the cardmember agreement despite repeated requests, and would not read the written terms. XXXX also failed to specify clearly what this affiliation is and refused to resolve my concerns.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: TX

Complaint narrative:
I am urging you to take action on these inaccurate and fraudulent accounts on my credit report. It is clear that I have no association with them and they are causing significant harm to my credit score. Please remove them promptly and ensure that they do not reappear.

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 2023-07-12 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: Resurgent Capital Services L.P.
State: OK

Complaint narrative:
The company in reference is reporting different information on all 3 credit accounts. This account is closed and should not be reporting open. They are in violation of my rights per FCRA guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-13 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: LEXISNEXIS
State: TX

Complaint narrative:
I found out in XXXX that I had being payment a high car insurance bill because Lexis Nexis has on a report that I had to insurance claim in XXXX from XXXX. The claims are dated XX/XX/XXXX for 2 cars, a XXXX XXXX XXXX ( XXXX XXXX ), which was submerged in the flood of Hurricane Harvey. The other claim for dated XX/XX/XXXX is for a XXXX XXXX XXXX XXXX which I have never owned a XXXX XXXX XXXX in my life. The claim numbers are XXXX & XXXX. I never could understand how my full coverage insurance cost went from {$98.00} per month to {$300.00} per month. Everytime I asked an insurance company why my insurance was so high, they would just tell me that the cost of insurance has increased, until a representative from an online insurance company told me I had 2 claims and that is why the quote she gave me was so expensive. I have tried to get this matter resolved for 2 months and now I am faced with getting on liability insurance until this is resolved because I can't afford the insurance I have been struggling to pay for the past 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I have submitted two rounds of dispute letters to XXXX, XXXX, and Equifax on XX/XX/23 and XX/XX/23 requesting review and copies of contracts with XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; and XXXX XXXX XXXX regarding illegal collection fees. I have also requested that XXXX remove inquiries from Bank XXXX XXXX that appear on my report but were made fraudulently, however, these inquiries remain on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-12 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: CA

Complaint narrative:
I have submitted two rounds of dispute letters to Experian, XXXX, and XXXX on XX/XX/23 and XX/XX/23 requesting review and copies of contracts with XXXX, XXXX ; XXXX XXXX XXXX ; XXXX XXXX ; and XXXX XXXX XXXX regarding illegal collection fees. I have also requested that XXXX remove inquiries from XXXX XXXX XXXXXXXX that appear on my report but were made fraudulently, however, these inquiries remain on my report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-12 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: MS

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 XXXX Account Number : XXXX Account Name : XXXX XXXX Account XXXX Account Name : XXXX & XXXX XXXX Account Number : XXXX has violated my rights. Or list of inquiries 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 2023-07-13 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: NC

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response.My name is XXXX XXXX XXXX and I am filing this complaint for falsely reporting misleading information.There is no third party involved.Please review the uploaded letters.

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 2023-07-12 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: TX

Complaint narrative:
I am sincerely pleading with you to remove this entry from my credit report as it is not mine and is completely fraudulent. I did not authorize anyone to use my account, and I am deeply concerned about the implications this has on my creditworthiness. I implore you to conduct a thorough investigation and take prompt action to rectify this error. Please remove this inaccurate information from my credit profile as soon as possible.

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