vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
On XXXX XXXX, my bank account was hacked and a total of {$29000.00} was removed from my XXXX account with Citibank XXXX XXXX unauthorized wire transfers. At the same time, my cell phone was hacked and rendered useless. XXXX hours later I was able to reset my phone, which allowed me to gain access to my online Citi account again, and to contact the bank to report the fraud. In the following weeks, I opened a new account with Citibank, filed an affidavit as instructed by the bank, and filed a police report with the XXXX. I was told it could take up to 90 days from the receiving of the affidavit for a decision to be made in regards to the fraud investigation. I called the Citibank XXXX department weekly to check in on the investigation, and was told each time that the investigation was still ongoing and no further decision had been made. Finally, on XX/XX/2022, I received a call from Citibank informing me that a decision was imminent, and that I would get a letter by the end of the week. On Friday XX/XX/2022 I received the letter at my apartment address, which notified me that the fraud claim had been denied. Citibank cited that I had not done enough to secure my account 's security, but did not provide any additional information, and only left a general line to call with questions. 

After submitting several official complaints to Citibank, I received a letter on XX/XX/2022 informing me of their ruling. Citibank once again denied my claim citing that no new information was received or discovered that would change the denial decision. This is again, unacceptable and erroneous, as I have provided my bank statements from XXXX showing that the sum in question was removed from my Checking account on the date specified. I am happy to provide this information again to the proper sources.

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 2022-06-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy. 
15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: AMERICAN HONDA FINANCE CORP
State: NY

Complaint narrative:
XXXX my XXXX XXXX XXXX XXXX in an accident. XXXX towed it to an authorized auto shop and prepaid for the repair. As such XXXX has signed off on me. 

Auto shop still can't get the part to fix my car from XXXX. XXXX is saying there is no XXXX for the part and I can't get the car since it's a safety part and not allowed to be driven. 

To date I am paying the car loan and insurance on the car while it sits in an auto shop. 

I have no car to drive to work! 

I have called XXXX corporate repeatedly and written emails to every exec in XXXX to get me a loaner, buy my car back or suspend the loan. 

This situation is created by XXXX, not through any fault of my own.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: OH

Complaint narrative:
In accordance with the Fair Credit Reporting act Convergent Account : XXXX Bank. # XXXX .... {$2.00}... XXXX XXXX # XXXX ..XX/XX/2021 15 U.S.C 1681 Section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-06-02 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: HEARTLAND PAYMENT SYSTEMS INC
State: WI

Complaint narrative:
Background : I have a federal XXXX student loan with ECSI Heartland that I took out from XXXX. The original balance was XXXX and I currently have approximately XXXX remaining. I put my account on auto-debit prior to XXXX of XXXX so I wouldn't have to worry about missing a payment. ECSI auto-debited {$110.00} from my checking account each month prior to XXXX of XXXX. In XXXX of XXXX they did not auto-debit my account and I received a notification that month that my loans had been deferred because of COVID-19. Each statement I received in each month thereafter showed that I had a past due balance of {$0.00} ( see attached statements ). 

This morning I was unexpectedly charged {$110.00} dollars ( the amount of my monthly payments ) on my XXXX loan by my servicer, ECSI Heartland. Logging in to my account, the online portal told me I had a past due balance of {$280.00}, and that now, with the {$110.00} auto-debit, I still owed {$170.00}. 

I had not made a payment since XX/XX/XXXX due to COVID-19 forbearance and received a bill of {$0.00} each month since then. I was under the impression that XXXX loans, as federally-subsidized loans, were in forbearance until XX/XX/XXXX and had not received information to the contrary. 

When I called and asked why my account was auto-debited and why I suddenly had a past due balance, the person I spoke with told me my loans were no longer in forbearance. When I asked why, she told me that XXXX XXXX " aren't part of the XXXX Department of Education '' ( WHAT? since when? ) and therefore ECSI didn't have to follow the CARES Act or the deferral issued by the President this spring. 

She also told me that the past due balance was for an unpaid month -- XX/XX/XXXX. When I asked her why it would be unpaid if I had enacted auto-debit, she told me that my auto-debit had been " temporary. '' When I asked why ECSI then was able to suddenly resurrect my auto-debit in XXXX, she could not answer. 

I was not notified that ECSI was not party to all other federal loan regulations. I was not notified that I had a past due balance for two years. I was not notified that my audo-debit would resume this month.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: MI

Complaint narrative:
In accordance with the Fair Credit Reporting act Account XXXX XXXX  Account # XXXX, XXXX XXXX Account # XXXX, and XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX, has violated my rights. 

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

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 2022-06-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX XXXX XXXX Account # XXXX, has violated my rights In accordance with the Fair Credit Reporting act XXXX  Account # XXXX, has violated my rights 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section XXXX : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2022-06-02 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: RI

Complaint narrative:
I have a credit card with TD Bank ending XXXX. I purchased photos from a local photography store. The owner came highly recommended from a picture frame store I did business with and was very happy with. The experience with the photographer was very different. I came home with my prints and the quality was awful and most of the pictures had heads or body parts cut off. I called the owner of the store and she did want to give me a refund. I had read reviews online that she was difficult and argumentative. I had a similar experience. However, she insisted on making the situation right by replacing the photos with better quality prints. She asked me to send them to her through a site called XXXX I went on there only to find the charge to send the prints was {$110.00}. I only paid {$36.00} for my photos so I would not use this service. She knew what she was doing. I filed a dispute with my credit card. I explained the circumstances to TD Bank that I did not return the prints since the photo studio was over an hour round trip and I had attempted to resolve the issue with my original call to the owner. The representative seemed satisfied with my description and opened a case. I just received a letter in the mail from TD Bank requesting a tracking number showing proof of return. I called TD Bank and learned they made a mistake and closed my case. I don't feel they have adequately handled this dispute since they did not listed to me when I stated I did not return my photos and they closed out my case without appropriately resolving it. If they need proof of a return, they never should have opened the case to begin with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Placement Services, LLC
State: IL

Complaint narrative:
I requested in my cease and desist for a deletion on all my consumer reports from this company. the company replied and only spoke on the communication.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account : : : XXXX XXXX Bank # XXXX XX/XX/XXXX ... {$3000.00} XXXX XXXX  Bank XXXX XXXX XX/XX/XXXX .... {$640.00} XXXX XXXX XXXX XXXX # XXXX / XX/XX/XXXX ... {$320.00} XXXX # XXXX XX/XX/XXXX .... {$410.00} XXXX # XXXX XX/XX/XXXX XXXX. {$340.00} XXXX XXXX # XXXX XXXX XXXX {$130.00} I have reached out to the compaines and they still have not corrected the issue. 


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.

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 2022-06-02 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account : : : XXXX XXXX XXXX # XXXX XX/XX/XXXX ... {$3000.00} XXXX XXXX Bank XXXX XXXX XX/XX/XXXX .... {$640.00} XXXX XXXX XXXX XXXX # XXXX / XX/XX/XXXX ... {$320.00} XXXX # XXXX XX/XX/XXXX .... {$410.00} XXXX # XXXX XX/XX/XXXX XXXX. {$340.00} XXXX XXXX # XXXX XXXX XXXX {$130.00} I have reached out to the compaines and they still have not corrected the issue. 


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.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 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 — Their investigation did not fix an error on your report
Company: SYNCHRONY FINANCIAL
State: WI

Complaint narrative:
I submitted a dispute to XXXX on XX/XX/XXXX requesting deletion of a closed account on my credit file. This was an account that was open and never used. Having never been used, it only ever reported with positive payment history until it was eventually closed by the issuer for inactivity. Again, the account was never in any negative or delinquent status. The only reason I requested this account be removed was simply because it had been closed for 7 years. On XXXX, I received the dispute result from XXXX. Not only did they not delete the account per my request, they updated the payment history on the account showing multiple XXXX, XXXX, XXXX, and XXXX day late payments in the year XXXX and as recently as last month. Since this account was closed in XXXX and never had a balance, it would be impossible to have late payments recorded of any kind in XXXX and XXXX. When I called the original creditor ( Synchrony Bank ), they informed me they have no record of this account associated with my SSN at all and are therefore unable to issue any kind of correction. As a result of this error, my XXXX score has dropped XXXX points. I have received notice of adverse action on two of my active credit card accounts indicating my credit limits have been reduced as a result of this. This is a serious error that has already yielded negative consequences for me and the only thing XXXX offered to do was to " Re-dispute '' it when I spoke with them on XXXX. In the meantime, my personal credit record is left to suffer while their computers process the dispute. This is a problem that clearly requires human intervention and review.

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 2022-06-02 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, has violated my rights. 


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

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 2022-06-02 00:00:00
Product: Mortgage — VA mortgage
Issue: Closing on a mortgage — 
Company: AMERICAN PACIFIC MORTGAGE
State: CA

Complaint narrative:
In XX/XX/XXXX, I entered into a sales contract to purchase a home in XXXX, CA with my VA entitlement. The sales price was {$390000.00}. During the process, I was told that the seller had some liens and in order for him to pay them, we had to lower the sales price to {$350000.00} and then the seller would carry a second mortgage in the amount of {$40000.00}. I am a first-time homebuyer and didn't understand what was going on and put complete trust in my realtor and mortgage lender. I followed their direction. The transaction closed in XX/XX/XXXX and that is when I realized that I also had to make payment on the XXXX mortgage. The combination of both mortgages was more than I could afford. 
I subsequently contacted a HUD approved housing agency. They are helping me with this complain process. My XXXX is XXXX XXXX XXXX XXXX XXXX XXXX, XXXX HUD # XXXX ) and he is writing this complain for me. 
It appears that the mortgage lender ( American Pacific Mortgage ) was unaware of the XXXX mortgage as it was not recorded until later. I believe that the real estate agent ( XXXX XXXX - XXXXXXXX XXXX  XXXX, CA XXXX XXXX ) and the loan XXXX ( XXXX XXXX, XXXX XXXX ) knew that XXXX didn't qualify for the VA loan based upon the purchase price of {$350000.00}. By creating the second, XXXX now did qualify for the VA loan based upon a purchase price of {$350000.00}. The underwriter was not made aware of the XXXX mortgage payment. XXXX and XXXX are husband and wife.

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 2022-06-02 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: MD

Complaint narrative:
In accordance with the fair credit reporting act XXXX XXXX has violated my rights. 

15 USC 1681 Section 602 states that I have the right to privacy.

15 USC 1681 Section 604 A Section 2 also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2022-06-02 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: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Bank # XXXX and XXXX XXXX Bank # XXXX, has violated my rights. 

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.

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 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
This is referencing a previous dispute for an XXXX Acct ending in XXXX, also from a previous CFPB Complain # XXXX and most recent equifax dispute XXXX XXXX. 

So currently this is XXXX dispute for same errors which still have not been corrected by Equifax which seems to be impossible when i have supplied invoice and payment records directly to equifax, which continues to state they have verified information for the acct ending in XXXX as correct. 

# 1 acct showing as open and was closed by creditor on XX/XX/XXXX but eguifax still showing as open.. 
# 2 Equifax shows the acct late for XX/XX/XXXX, i previously supplied invoice from XX/XX/XXXX showing payment due {$84.00} by XX/XX/XXXX, and show acct statement for XX/XX/XXXX showing a payment of {$84.00} made on XX/XX/XXXX which means there was no late payment in XX/XX/XXXX. 

Which means equifax is not doing a real good faith investigation, considering i have supplied supporting documentation for the past XXXX disputes but equifax has failed to remove the errors, or delete the inaccurate information. 

So being this is my XXXX dispute of the exact same errors, i want this acct removed from the report considering there was a 30 day period for them to correct these errors and some of these investigation have been closed as soon as 2 weeks by equifax.I am currently being told i should seek legal representation because even with the evidence i keep providing equifax fails to correct these obvious errors, so i want this to be on record for future litigation, so i am documenting i have tried XXXX  times to get my credit report corrected, since i am being turned down for credit because of the inaccurate payment data on acct for XX/XX/XXXX.

Company response to consumer: Closed with explanation