vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Account name XXXX XXXX XXXX XXXX Account number XXXX XXXX XXXX Routing number XXXX This account had been receiving customer payments in succession around XX/XX/XXXX. During this period, the account was temporarily restricted by BOA 's risk management department. However, after providing the necessary customer informatio, the risk assessment was completed satisfactorily, and the account was returned to an operational status. 
However, after a while the account has been closed by boa and requesting to reverification of the maker info. 
Which doesnt make of sense. 

The handling of this matter by BOA has been highly unprofessional for several reasons : * The account funds had already been verified by BOA 's risk control, with all necessary customer information provided. Despite this, BOA has continuously claimed that the account requires additional investigation, refusing to accept further customer payment contracts and invoices as additional proof. 
* The delay in receiving the final payment is excessive. Since being notified of the account closure in XX/XX/XXXX, the remaining balance has not been received as of XX/XX/XXXX. 
I urge the Consumer Financial Protection Bureau to intervene and facilitate the expedited resolution of this issue, ensuring that the remaining balance owed to me is promptly settled. 
Sincerely, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I want to be absolutely clear : I did not authorize these specific transactions to be included in my consumer report, neither in writing nor verbally. Therefore, I formally request that these inquiries be blocked and removed from my record. I want to stress that this request is not a mistake, nor is it based on any misrepresentation of facts. It's crucial to highlight that these transactions were included without my explicit consent or instruction. By emphasizing this, I hope to convey the seriousness of my request and ensure it receives proper attention. Furthermore, I want to emphasize that my request is based on accurate and relevant information, and I have no intention of deceiving or manipulating the situation in any way.

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 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA

Complaint narrative:
On XX/XX/year>, I received a text message from USAA stating USAA : Outgoing transactions on your USAA account ( s ) have been restricted due to recent suspicious activity. Call USAA at XXXX. Reply HELP for help. After contacting the phone Number, the agent stated that USAA is choosing to discontinue providing me any services. I asked him if Id get a notice with information on why theyre closing my account and he said Id receive one. Further, since XX/XX/XXXX, Ive been unable to use any funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: CBC Companies, Inc.
State: NY

Complaint narrative:
Contacted this company not only requesting my Consumer report, but also requested this company to place a freeze on my file to which I sent them in my Pennsylvania identification card and my electric bill as proof of identity and address. I received a response stating I need to sent in documentation to proof identity and address to which I already sent the requested information in. This company is using Deceptive practices to Circumvent the law and consumers rights under the FCRA such as the right to know whats on your report and the right to dispute inaccurate and incorrect information if it exist.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX XXXX closed now but not mine XXXX XXXX close but not mine XXXX XXXX not mine XXXX not mine XXXX not mine XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX none of these are mine and i want them off 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 2024-05-15 00:00:00
Product: Student loan — Private student loan
Issue: Getting a loan — Confusing or misleading advertising
Company: Goal Structured Solutions, LLC
State: FL

Complaint narrative:
Subject : Request for Relief for Private Student Loans Used to Attend XXXX XXXX XXXX I am writing to bring to your attention the financial challenges I am facing as a borrower who attended XXXX XXXX XXXX. Like many others, I relied on both federal and private student loans to finance my education at the institution.

Currently, I am diligently repaying my private loans through Launch, but I am encountering significant difficulty due to the terms of the loan. My lender, XXXX XXXX XXXX XXXX, has imposed a high interest rate, rendering my monthly payments unmanageableespecially since I lost my job in XXXX. 

I am reaching out to urge you to consider extending student loan relief to borrowers who, like me, used private loans to attend XXXX XXXX XXXX between XX/XX/XXXX, and XX/XX/XXXX. The Department of Education recently announced federal loan forgiveness for borrowers from this period, citing XXXX XXXX XXXX  misrepresentation of job prospects. 

It is reasonable to infer that similar misrepresentations may have affected students who relied on private loans. As a result, many of us are now grappling with significant debt for an education that may not have met the promises made to us, leading to undue financial hardship.

I respectfully request that the Consumer Financial Protection Bureau ( CFPB ) consider providing relief for private loans used to attend XXXX XXXX XXXX  during the same period covered by the federal loan forgiveness program ( XXXX ). 

Thank you for your time and consideration of this matter. Your support in addressing the challenges faced by borrowers like myself would be immensely appreciated. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
CitiCard changed their cash back card to a " points '' system without giving the end user a choice in the matter ( 2022 ) CitiCard has " partnered '' with businesses to use points - giving access to personal information ( rewards points balance ) without consent of users. There is no option to opt out of this, as confirmed by CitiCard.

In my case, rewards points were recently redeemed without consent while purchasing gas from a Shell gas station. This was reported to CitiCard and they said they were sorry for my inconvenience but they will do nothing to address the issue.

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 2024-05-15 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: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX regarding their inaccurate reporting of my student loan payment history. Despite being in deferment, XXXX has consistently reported my account as being 120 days late for numerous months, instead of appropriately reporting it as a charge-off as required by law. This erroneous reporting has had severe repercussions

on my credit score and overall financial well-being. The issue stems from XXXXXXXX XXXX failure to accurately reflect the status of my loan during the deferment period. As per the terms of my loan agreement, I am entitled to deferment, during which no payments are due, yet XXXX has repeatedly misrepresented the status of my account, causing undue stress and financial hardship. 

I have diligently adhered to the terms of my loan agreement and have promptly provided all required documentation for deferment. However, XXXXXXXX XXXX negligent reporting practices have tarnished my credit report and made it exceedingly difficult for me to access further financial opportunities.

Therefore, I urge the Consumer Financial Protection Bureau to launch a thorough investigation into XXXXXXXX XXXX  inaccurate reporting practices and take appropriate enforcement actions to rectify the situation. Additionally, I request compensation for the damages incurred as a result of XXXXXXXX XXXX failure to comply with federal regulations. 

Thank you for your attention to this matter. I anticipate a swift resolution to this issue and look forward to your response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 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: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX regarding their inaccurate reporting of my student loan payment history. Despite being in deferment, XXXX has consistently reported my account as being XXXX  days late for numerous months, instead of appropriately reporting it as a charge-off as required by law. This erroneous reporting has had severe repercussions on my credit score and overall financial well-being. 

The issue stems from XXXXXXXX XXXX failure to accurately reflect the status of my loan during the deferment period. As per the terms of my loan agreement, I am entitled to deferment, during which no payments are due, yet XXXX has repeatedly misrepresented the status of my account, causing undue stress and financial hardship.

I have diligently adhered to the terms of my loan agreement and have promptly provided all required documentation for deferment. However, XXXXXXXX XXXX negligent reporting practices have tarnished my credit report and made it exceedingly difficult for me to access further financial opportunities. 

Therefore, I urge the Consumer Financial Protection Bureau to launch a thorough investigation into XXXX XXXX  inaccurate reporting practices and take appropriate enforcement actions to rectify the situation. Additionally, I request compensation for the damages incurred as a result of XXXXXXXX XXXX  failure to comply with federal regulations. 

Thank you for your attention to this matter. I anticipate a swift resolution to this issue and look forward to your response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 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: SC

Complaint narrative:
Dear Consumer Financial Protection Bureau, I am writing to file a formal complaint against XXXX regarding their inaccurate reporting of my student loan payment history. Despite being in deferment, XXXX has consistently reported my account as being 120 days late for numerous months, instead of appropriately reporting it as a charge-off as required by law. This erroneous reporting has had severe repercussions on my credit score and overall financial well-being. 

The issue stems from XXXX 's failure to accurately reflect the status of my loan during the deferment period. As per the terms of my loan agreement, I am entitled to deferment, during which no payments are due, yet XXXX has repeatedly misrepresented the status of my account, causing undue stress and financial hardship. 

I have diligently adhered to the terms of my loan agreement and have promptly provided all required documentation for deferment. However, XXXX 's negligent reporting practices have tarnished my credit report and made it exceedingly difficult for me to access further financial opportunities. 

Therefore, I urge the Consumer Financial Protection Bureau to launch a thorough investigation into XXXX 's inaccurate reporting practices and take appropriate enforcement actions to rectify the situation. Additionally, I request compensation for the damages incurred as a result of XXXX 's failure to comply with federal regulations. 

Thank you for your attention to this matter. I anticipate a swift resolution to this issue and look forward to your response.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or missing disclosures — 
Company: JPMORGAN CHASE & CO.
State: FL

Complaint narrative:
On XX/XX/XXXX, I deposited a United States Treasury check into my Chase Bank account via the teller, who issued a receipt indicating that funds would be available by XX/XX/XXXX. However, upon attempting to withdraw funds on XX/XX/XXXX, the bank manager informed me that they were unable to release the funds, citing a lack of clarity from an unspecified department within the bank. Despite subsequent communication with a market executive assuring me of funds availability by XX/XX/XXXX, no such release occurred. As of XX/XX/XXXX, customer service asserts their intention to withhold funds from a government-issued check. Chase Bank 's current practices do not align with the provisions set forth in the Expedited Funds Availability Act ( EFAA ), a federal statute governing the availability of funds deposited by check.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Commonwealth Health Corporation
State: KY

Complaint narrative:
I've reached out to this company several times to try to get validation of the claimed debt. I have no contract with this company I have never did any business of any kind with this company yet they are reporting this inaccurate information on my credit report with no validation or reason why see attached documents :

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have mailed a dispute to Transunion, USPS Tracking : XXXX XXXX XXXX XXXX XXXX XXXX Delivered : XXXX XXXX I have attached mailing attachments below along with the actual letter mailed to Transunion, along with tracking and signature when delivered. I have been disputing account ( s ) with Transunion. 

The account below are reporting inaccurate according to the XXXX XXXX Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXX In accordance with the FCRA 611 ( 15 U.S.C . 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( s ).

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 2024-05-15 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I have mailed a dispute to Transunion, XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XXXX Delivered : XXXX XXXX I have attached mailing attachments below along with the actual letter mailed to Transunion, along with tracking and signature when delivered. I have been disputing account ( s ) with Transunion. 

The account below are reporting inaccurate according to the XXXX XXXX Compliance Standard. Compliant Reporting Is Not Optional, It Is A Mandated Requisite For Any Party Involved. 

XXXX XXXX XXXX XXXX In accordance with the FCRA 611 ( 15 U.S.C . 1681l ), I have above practiced justifiably my right to CONTEST the REPORTABILITY of any and all questionable conclusions that I have discovered on my personal credit report ( s ).

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 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I understand the importance of removing any incorrect accounts from my credit report in accordance with FCRA 605B. Could you please take a look at the documents? I've observed that some of the listed accounts seem to be inaccurate, which is worrying to 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 2024-05-15 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: TD BANK US HOLDING COMPANY
State: AL

Complaint narrative:
I have had a target credit account for almost ten years. 
I had to take a trip abroad for a work emergancy, and the first change I got I called to pay my bill, and they collected payment information, and even transferred me to put the travel notification on the card, only to find out they closed my card two days ago, and said there was nothing they could do. It was two days, even though I paid the amount currently required. How is this fair when it was impossible to contact you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-05-15 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: IL

Complaint narrative:
My account was withdrawn over {$8000.00} for two purchases that I went in the store for and was told by two associates that the process will take 24 hours. I came back the next day I was then told by the general manager. That she wasnt sure as to why her employees told me that it took 24 hours and then when she looked on my account that it says the funds were given, I immediately let her know who the employees were and that I did not receive anything, she reviewed the CCTV footage and seen that I did not receive anything at that moment we contact the authorities I was told to file a claim with my bank and I also found a police report which I gave to my bank just for them to tell me that they can not send me any credit so Im without XXXX and Im just confused as to what I can do from here. Please 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 2024-05-15 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: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Your agency Violated my rights to privacy. The law you are violating clearly states : 15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer 's Right to Privacy ) ( a ) Accuracy and fairness of credit reporting. The Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the Consumer 's right to privacy. The civil liability laws states clearly : : 15 U.S. Code 1681n - Civil liability for willful noncompliance ( a ) In general Any person who willfully fails to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) ( A ) any actual damages sustained by the consumer as a result of the failure or damages of not less than {$100.00} and not more than {$1000.00} ; 15 U.S. Code 1681o Civil liability for negligent noncompliance- ( a ) In general Any person who is negligent in failing to comply with any requirement imposed under this subchapter with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure ; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. Please remove this account from my consumer report. Account ( XXXX ) : XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation