vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-02 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: AR

Complaint narrative:
I have 2 credit cards with Citi, call them card1 and card2. I balance transferred {$250.00} off EACH card to my XXXX XXXX XXXX XXXX card. XXXX sent two {$250.00} payments, one to each Citi card. One of the payments went through correctly to card1, the other did not, to card2.

When I reached out to Citi, they took the payment that went through correctly to card1 and moved it to card2. I called them back to explain that this was an error, as the payment to card1 was not incorrect. There was another {$250.00} payment that was supposed to go to card2, but did not. The missing payment to card2 was the problem. They moved the payment back to card1, but then closed the issue, leaving me with a still missing {$250.00} payment. 

I called back and asked to speak to a manager, since they were having trouble understanding the issue. I was told I could not speak to this persons manager as they didn't have one. I was then hung up on. 

I would like my missing {$250.00} payment found and correctly applied to card2. I would like correctly applied {$250.00} on card1 left alone.

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 2023-02-02 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: TX

Complaint narrative:
A

few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back. I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 2023-02-02 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
A few weeks ago I sent letters to all 3 credit bureaus regarding some items on my credit report which I know are not accurate which is a violation of the FCRA and FDCPA and you must abide by the law. Everything I have provided in my letters is true and accurate to my knowledge. Ive received emails and letters saying Im using a 3rd party which is incorrect because I am the one sending my letters out and filing this complaint with no help from a credit repair company or 3rd party. The CRAs are in violation of my rights due to not providing a notice of dispute and for failure to communicate to me that I disputed stuff on my credit. I request these accounts to be deleted from my credit asap or I will take legal action and hire a lawyer. I want to purchase a house soon and this holding me back.

I would like the items I disputed in my letters to be handled accordingly based on the reasons that I put in my 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 explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Diversified Adjustment Service, Inc.
State: CA

Complaint narrative:
I received an email on XX/XX/2022 from XXXX stating I owed a debt to sprint. I responded back right away asking for details of the debt as what they provided did not have the details of what was being asked and was not getting an email response back. then I started receiving calls and I again asked for details of what was owed as I did not recognize what was being asked to pay. i was referred back to the email and told the debt collector there was not details in the email and I needed details in order to pay. I called over and over and kept getting put to a recorded line and no one called me back. then my account was put in collections and it has caused negative issues to me. my credit score has dropped and I am getting rejected for loans and credit line increases. I need this resolved asap

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Money was taken from your account on the wrong day or for the wrong amount
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX, XX/XX/2023, the balance on my checking account ( all pending transactions accounted for ) was about {$940.00}. In the afternoon on the same day, I used my debit card to make a purchase for {$45.00} at my local supermarket. When I checked my balance about an hour later, the balance on the checking account was about {$410.00}. Based on my basic math and arithmetic skills, a {$45.00} transaction can not bring down a balance by {$470.00}. I said to myself, let me give Citibank ( the bank I use for my checking account ) a few days to post this " invisible transaction '' that lowered my balance to {$470.00}. I called Citibank yesterday ( XX/XX/2023 ) 3 times ; the first 2 times the calls get mysteriously drop when I am explaining the situation to them. As of today, XX/XX/2023, the {$470.00} is still mysteriously gone from my account with no corresponding transaction. The money just vanished into thin air and Citibank can not provide an explanation as to why the money is missing. I have printed all recent statements and also printed a list of recent transactions to support my claim. Keep in mind that Citibank has a habit of " ghosting '' funds from my account prior to the statement closing date. They " take '' their bank fees at least 5 days before the statement closing date. Those funds would be missing from the account without any corresponding transaction. Monthly service fees range from $ XXXX, so I let all these small invisible transactions go away without filing a complaint. But this {$470.00} invisible transaction has made me miss my rent payment which was due yesterday. This is how Citibank treat XXXX  who patronize their bank.

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 2023-02-02 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: U.S. BANCORP
State: FL

Complaint narrative:
That card was opened up in my name without my consent. This card is an unauthorized card and was opened up as fraud in my name and personal information. I been trying to get this resolved for years now.

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 2023-02-02 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: NV

Complaint narrative:
In accordace 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. 
Account Number : XXXX XXXX XXXX. 
Account Number : XXXXXXXX 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 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 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 instruction 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 XXXXXXXX XXXX 

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 2023-02-02 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: NV

Complaint narrative:
In accordace 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 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 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 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 XXXX XXXX : XX/XX/2022 XXXX XXXX XXXX Date of inquiry : XX/XX/2022 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 instruction 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 XXXX XXXX 

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 explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: MI

Complaint narrative:
I paid this item off on XX/XX/2022. I requested the line of credit to be closed. It never was, and is still on my credit report. I also can not look at any details about the account on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem making or receiving payments
Company: JPMORGAN CHASE & CO.
State: TN

Complaint narrative:
Hello. We are victims of wire transfer fraud for down payment on a home. Our mortgage lender sent us fraudulent wire transfer instructions to make a down payment of $ XXXX. We sent two wire transfers to a Chase bank account for a person that was imitating a title lawyer. We have reported the wire fraud to our banks and Chase as the receiving bank account and opened a police report. We want Chase to take action against our claim immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
i have reached out to all three bureaus and was told to get an ftc report to help remove the inquires since it was unrecognized and unauthorized. still nothing have changed on my report, this is troubling me from moving out my mom house. 

As per FCRA section 609 605 and 623 Please provide record of consent for this inquiry and record of accuracy. If unable to validate or provide written records I expect removal of this inquiry 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 explanation
Consumer complaint received 2023-02-02 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: CCS Financial Services, Inc.
State: TX

Complaint narrative:
Credit Collection Service Original Creditor : XXXX XXXX  Open Balance : {$300.00} Acct Opened : XX/XX/ In accordance to the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, it specifically states that I have a right to privacy and my information shall not be shared without consent. Also, 15 USC 1681 Section 604a states that a consumer reporting agency can not furnish my account without my written instructions under 15 USC 166b. A creditor may not treat a payment on a credit card as an open end consumer credit plan as late for any payment.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Overcharged for a purchase or transfer you did make with the card
Company: Netspend Corporation
State: OH

Complaint narrative:
On XX/XX/23, I made a purchase for {$180.00} from PayPal XXXX which posted on XX/XX/23. I returned the item on XX/XX/23 and issued a refund of {$180.00} on XX/XX/23 by PayPal XXXX. Instead of giving a refund this wonderful company charged my card again. Now I am out a total of {$360.00} which this company has fraudulently taken from me. I called immediately and spoke with overseas agent you first could not understand who said that nothing they could do. I am now escalating to governmental agency to get my money back as this is FRAUD

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 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY
State: MD

Complaint narrative:
Over the last 5 years from years XXXX Wells Fargo has charged me {$35.00} per over draft over 100 times. Totaling over {$3500.00}

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 2023-02-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
i have reached out to all three bureaus and was told to get an ftc report to help remove the inquires since it was unrecognized and unauthorized. still nothing have changed on my report, this is troubling me from moving out my mom house. 

As per FCRA section 609 605 and 623 Please provide record of consent for this inquiry and record of accuracy. If unable to validate or provide written records I expect removal of this inquiry immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 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: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
Consumer Adj CO Original Creditor : XXXX XXXX of XXXX TX XXXX  Open Balance : {$1000.00} Acct Opened : XX/XX/2021 In accordance to the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602, it specifically states that I have a right to privacy and my information shall not be shared without consent. Also, 15 USC 1681 Section 604a states that a consumer reporting agency can not furnish my account without my written instructions under 15 USC 166b. A creditor may not treat a payment on a credit card as an open end consumer credit plan as late for any payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
Wells Fargo modified my mortgage without notifying me and foreclosed on my home This happened in XXXX I was given this website to see what can be done at this point

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 2023-02-02 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: FIRST PORTFOLIO SERVICING INC
State: FL

Complaint narrative:
I contacted the company to notify them that a fraudulent inquiry was made in my name, and that it is reflecting on my credit report and I would like it removed. They notified me that it would and its been well over 60days with no results

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: IL

Complaint narrative:
On XXXX Lvnv funding llc opened a XXXX.Acct. # XXXX. XXXX $ I have never signed any written document saying that i owe this debt to the collector.They are violating my rights of the FCRA as a consumer.I do not know who they are and have not written consent from my end.Also they have not verified that i owe this debt to this alleged company.Please have this removed from all three credit bureaus. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION
State: TX

Complaint narrative:
There is an auto loan in collections on my credit for a XXXX XXXX XXXX financed with Randolph brooks federal credit Union. In XXXX I traded the XXXXXXXX XXXX in for a XXXX XXXXXXXX XXXX through a dealership called limitless auto group. I have my trade in paper work showing I traded the car in. I am not liable for this account anymore and idk why it is on my credit. Ive tried multiple times to dispute this account with XXXX but my dispute gets look over and nothing is done about it as it is still on my credit after being submitted and review and having been ruled against even after providing proof of my trade in paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
Bank of America closed my account. I was notified when I was unable to login into my online account. I called and like always was treated horribly. The representative told me she doesnt have to give me a reason. Her words we can close your account anytime just like you can. That was all I was told. No fraud account was not overdrawn. I was retaliated against and there was nothing I could do! After banking with Bank of America for years. After the American Care Act was put in place and a pandemic how can Bank of America not provide any explanation! I want my record and calls into Bank of America reviewed! And a proper response to be given.

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 2023-02-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: IL

Complaint narrative:
I contacted Truist Bank to inquire the information needed to wire funds to make a principle payment on our mortgage. I called the customer service number provided by Truist. I was told there was a maximum daily amount that Truist would accept for principle payments. That seems to be equivalent to a prepayment penalty in terms of wire transfer fees and additional interest accrued by not being to remit the amount I wanted to. The customer service representative assured me that was Truist 's policy and could not be waived. She was also not familiar at all with the information I needed and had to call me back to provide additional instructions. My bank had additional questions regarding those instructions that I was unable to get from Truist when I called again to get it, and speaking to a second customer service representative. The policy of essentially limiting prepayment contravenes our mortgage that clearly has no penalty for prepayment and feels very predatory on the part of Truist Bank. I question the quality of supervision and training that Truist is providing to their front line customer service personnel.

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