vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
dear CFPB, on XX/XX/XXXX at XXXXXXXX XXXX I attempted to withdraw {$500.00} dollars from a local atm at XXXX XXXX however no money was dispensed I when ahead and asked for help an associate named XXXX assisted me he did a 2nd attempt to withdraw {$500.00} and again no money where dispensed after this he immediately call security to inspect and open the atm machine the security officer pull the report and gave me a copy such copy shows and proves all the misfunctions of the unit ( dispenser errors and jam on cassette ) on both transactions, I was told per XXXX and the security officer that with the proof receipt my bank ( bank of America ) will reimburse the money back in to my checking account, I already spoke and explain the situation many times to bank of America associates i also send the receipt showing the machine errors where clearly shows that no money where dispensed, and still they deny my credit and charge me for both transactions as valid, please help, I'm attaching the receipt from atm and my bank charged transactions

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 2023-03-07 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
There is inaccurate personal information that is furnished on my credit report. I have reached out to the reporting agencies several times regarding this misinformation. I was told it would be removed. Different reporting agencies are reporting different mis information.

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 2023-03-07 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: GOLDEN 1 CREDIT UNION, THE
State: CA

Complaint narrative:
On XX/XX/ I called golden 1 CU to request a stopped ach payment to XXXX due to fraudulent loan and customer service stated theyre fees which find with me as long no stopped will be in place for all future transactions and received a letter from golden1 to sign the documents to stop ach payment in which i returned in mail. But to my surprise on XX/XX/23 I received email from golden1 of my account overdrawn. I have an unauthorized ach payment of {$430.00} taken from my account so I called golden1 cu  customer service and spoke to specialist stating that there was no stopped payment done and they can not accept ach stop payment and need to speak with 3rd party regarding this, told her the situation until she suggested to file dispute then called XXXX and my account was closed but I will not get my money back since I need to payback XXXX. Now my account is in negative balance because of this overdrawn. Golden1 representative stated they dont do stopped payment at all.

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 2023-03-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
I made a payment of {$550.00} on XX/XX/XXXX. I made a payment of {$20.00} directly after I sent that one but the bank did not explain to me where they money went. I watched it leave my checking account it was sent to XXXX XXXX. Truist Bank is the bank that I used. I talked to two people that told me the money did not leave my account when I saw it myself

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 2023-03-07 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: DC

Complaint narrative:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 2023-03-07 00:00:00
Product: Mortgage — Reverse mortgage
Issue: Trouble during payment process — 
Company: Real Estate Equity Exchange, Inc. d/b/a Unison
State: TN

Complaint narrative:
I JUST DISCOVERED TODAY THAT ITS NOT ONLY UNISON VIOLATING EVERY POSSIBLE CONSUMER PROTECTION LAW, BUT ON THEIR PAYOFF THE INVESTOR XXXX XXXX XXXX I, XXXX AS WELL ( ATTACHED ) This company marketed themselves as a Heloc alternative, they had me complete an application, they pulled my credit, had me provide income documentation and then right before funding the loan that they claim isnt a loan their sales reps told me that I would need to dismiss my XXXX  XXXX bankruptcy that I had been involved in for two years and provide proof that it had been done. ( attached a couple of these emails in a quick search through my email ). A simple XXXX search has shown several pending lawsuits, including TILA lawsuits and their XXXX  site is full of similar complaints. I am sure you will find many more on PACER then my XXXX search below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX They claim to not be a lender in order to avoid adhering to TILA, but take all of the same steps as a lender would. Even the funding of loan and repayment. The reason I am looking to get help is that I closed on this loan 13 months ago for XXXX, I am now over a week past my closing date and they sent me a payoff based off of an appraisal that they never shared with me, instead of the actual purchase price which is XXXX higher then what the actual sales price is. What they are doing is wrong and likely a TILA violation, predatory, and I am sure in my case violates bankruptcy law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: WI

Complaint narrative:
On XX/XX/XXXX my payment of {$240.00} was electronically sent by my bank to Citibank. Payment was due on XXXX. Citibank waited 4 days to credit the payment and then charged me {$30.00} late fee and {$8.00} interest on the past due amount. This is the second time this has happened. Only at Citibank. 

The first incident was the exact same scenario. Wait a day to credit the account and charge late fees, easy. That incident was resolved and credited back but now all subsequent charges will not be credited. How does that work when they are at fault? 

Citibank can do or say what they want, they are the ONLY credit card company I deal with that has this problem. Why is that? How much are y'all making by doing this? 

I have had my account with Citibank since XXXX  and I have never been late with a payment until recently. How is that? Especially when it's electronic from another bank? Let me reiterate, this does not happen with any other credit card company except Citibank.

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 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
After making a payment exceeding 50 % of balance owed they closed my 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 2023-03-07 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: FL

Complaint narrative:
There are multiple accounts on my report that are outdated. Additionally, there are accounts that are in collections illegally showing a balance. I requested for these accounts to be investigated and deleted yet they have failed to do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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: NJ

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 XXXXXXXX Account number : XXXX Account name XXXX XXXX XXXX Account number : XXXX Account name : CXXXX XXXX Account number : XXXX Account name : THE XXXX XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX Account number : XXXX Account name : XXXX XXXX Account number : XXXX has violated my rights 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 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 2023-03-07 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc.
State: MI

Complaint narrative:
XXXX XXXX told me I would get reception where I live and I didnt get reception and I told him I didnt want the contract anymore. It wasnt really a contract. It was a prepaid SIM card for my phone in anyway after I canceled it I called them several different times on it and they just kept right on billing and they keep charging me for the first month that I already paid you but its ridiculous how they keep charging people for something that you dont owe

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 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: TD BANK US HOLDING COMPANY
State: NJ

Complaint narrative:
On XX/XX/2022, I placed a take out order at a local restaurant. When we arrived to pick up the food, the restaurant was permanently closed. We immediately contacted the credit card that we had used for this purchase - TD Bank- to get a refund. We were told that we had to contact the company that we had paid. Since the restaurant itself XXXX XXXX XXXX XXXX XXXX ) was closed, we contacted the company XXXX XXXX XXXX that had facilitated the credit card charge and asked for a refund.That company said that the closed restaurant had another branch and they ( XXXX ) would try to get the money back from that other restaurant. We made repeated calls/sent emails to XXXX and they eventually got back to us and told us they couldn't get our money back. At that point, we called TD bank again ( probably XXXX? ). TD said that they would look into it. Since then, I have called TD half a dozen times. Until yesterday, no one has ever gotten back to me nor have I received any communications about this issue. Yesterday, I received a letter from someone in the " Customer Cares/US Fraud Management Office '' with a number for me to call to discuss this issue. I spoke to that representative today and she said that my original request to file a dispute came more than 90 days after the charge ( not accurate because I called right after we discovered the restaurant was closed and at that time they did not tell me that there was a time limit to contact TD again while we tried to resolve things with the merchant ). The TD bank representative said that they will open a new dispute for me- which might be approved or denied- and I'll hear in 90 days. I can not tell you how much time I've spent on this issue. I've made at least ( since XX/XX/2022 ) 7 phone calls to TD bank. I just want my {$67.00} back. This was fraud - I paid in good faith for something and did not receive it. My repeated attempts to get the money back have failed. Please help me!!! I know you deal with much more serious issues and I'm so glad that you are in existence. But I would really like to get a refund. Thank you! XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-07 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: Self Financial Inc.
State: TX

Complaint narrative:
As an XXXX XXXX XXXX VETERAN, My Fair Credit Reporting act consumer rights have been violated. I am deeply concerned by the acts of these companies and how they have portrayed me with the constant violations reported on my credit report. It has brought great shame to me and my family. My life since coming back XXXX XXXX has been in shambles with the loss of family members, COVID, AND dealing with XXXX XXXX XXXX XXXX ( XXXX ). I am unable to live a regular life due to these acts. 


The account listed below has violated my federal given consumer rights to privacy amongst other things. 


Account name XXXX XXXX XXXX XXXX XXXX Account # XXXX Account name- XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX XXXX Account XXXX XXXX Account name- XXXX XXXX  Account # XXXX Account name - XXXX Account # XXXX 15 USC 1681a ( 2 ) ( a ) ( i ) states that consumer reporting agencies can furnish a report under the following instructions : in accordance with the written instructions of the consumer to whom it relates. I never gave them written instructions to report the accounts listed above to my consumer report.

15 USC 1681 section 602 A ( 4 ) states I have the right to privacy. ( My privacy has been completely ignored as these companies contact me via phone, Email & mail in order to garner attention to these accounts Also, according to 15 USC 1681 602 Congressional findings and statement of purpose states, There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. It also states the banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermined public confidence with is essential to the continued function of the banking system. Nothing about the reporting of these late payments are accurate and my privacy has been violated due to XXXX, XXXX, and XXXX violating my consumer rights by allowing these late payments/utilization/chargeoffs to report to my consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 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. 

XXXX XXXX  XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX XXXX U S DEPT OF EDXXXX 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 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 2023-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: CREDIT ACCEPTANCE CORPORATION
State: AR

Complaint narrative:
I cosigned for my brother to get a vehicle. The lending company we had to go through was Credit Acceptance. My brother stopped making payments and put the truck in repossession. They keep reporting late payments on my credit report. I've given them 3 locations for where the truck is and they still have not repossessed the vehicle. I was told that I can't hire someone to repossess the vehicle but yet I'm still responsible for the loan. My credit is getting trashed every month and I have no legal recourse for turning the vehicle in. I tried to do a voluntary surrender and Credit Acceptance said that my brother has to consent to that as well. Even with the truck up for repossession. I've offered to pay half the loan if removed from the loan contract and repair my credit. I was told that's not an option either. I'm nowhere on the bill of sale, title or registration but being wrecked credit wise with no way to fix this. I seriously need help with this or directed towards an attorney that can help

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 2023-03-07 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MN

Complaint narrative:
Bank of America Attention XXXX XXXX XXXX! 

XXXX XXXX XXXX I really appreciate you taking your time to investigate this ongoing issue that you and I have had but your office keep on saying that you are investigating there is nothing to investigate I have sent you all the necessary factual base dispute information showing that your company is reporting false information on a credit report in your office is acting very reckless and willful. I asked you to view the attached files with a side by side credit report with XXXX XXXX XXXX XXXX The account is only showing on XXXX as XXXX and XXXX has long since deleted the false and inaccurate reporting that you are doing. And this proves that you are acting willful and very reckless reporting! There are laws that your company must follow its the rule of law. 

You stated on XX/XX/XXXX the date of late active was obtain on the report. How is that so when the bankruptcy wasnt XXXX until XX/XX/XXXX. Right here shows that your information is false There was no payments made on XX/XX/XXXX so therefore your office is reporting false information about me. Also in your letter thats dated XX/XX/XXXX you indicated that the account was open on XXXX XXXX but however based on the credit report you are reporting that the account was open on XXXX please send me the credit application that was used on XX/XX/XXXX to open the account on XX/XX/XXXX! Based on what you been reporting since XXXX Also this account has been in dispute for 6 months or longer you are in violation of FCRA 623 you know that you have to enter these remarks are required if not it can not report on the credit report. Within 30 days of the first dispute. XXXX XXXX I need you to remove this account from experian immediately or consequences will take place Im warning you the summons attached to file has nothing to do with you but Im showing you Im coming after your company if the false information isnt removed in 10 business days Im not playing! 



Thank you 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
Consumer complaint received 2023-03-07 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: Bread Financial Holdings, Inc.
State: FL

Complaint narrative:
A Victoria SecreXXXX Credit Card was reported stolen by perpetrator. This person called into Victoria 's Secret CC ( Comenity Bank ), changed my address, & email & had a card reissued to the address they provided once the card was physically received, they made purchases in person at Victoria 's Secret and their affiliate store, XXXX XXXX XXXX XXXX. According to VS FRAUD Dept, they were able to verify my DOB & last 4 of social in order to commit these fraudulent transactions. 

These transactions amounted to {$1600.00} ; they are 3 different transactions in the month of XX/XX/2023. I have opened a case today with Victoria 's Secret CC bank, Comenity ( no case # has been assigned yet ) & a police report with XXXX Police Department.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-07 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Incorrect information on your report — Account status incorrect
Company: WESTERN UNION COMPANY, THE
State: CT

Complaint narrative:
I purchased a vehicle right before the epidemic lost my job like most people took the money I had was only short {$500.00} to pay full amount of Car Loan company refused I was never behind on a payment I had only had the vehicle for a few months as is so told them I need to get something with the cash I have and I would surrender my vehicle to them because I needed something with no payments which is what I did now my credit report is all messed up. They have me at 60 days late. They have it open on some accounts closed on some accounts and a charge off on another account. I need this fixed please

Company response to consumer: Closed with explanation