vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TD BANK US HOLDING COMPANY
State: NY

Complaint narrative:
A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) is mailed or delivered to the consumer not later than 21 days before the payment due date. TD Bank USA/Target Account closed on XX/XX/year>, All late payments on this account started when the XXXX pandemic started. I did not receive any notification for payment. I would like for you to remove these account off of my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
I did not receive my refund check from the XXXX million dollar settlement. From my understanding, we should received a check by midXXXX 2023 and would have an opportunity mediate. I am a current account member.

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 2024-09-07 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: Stellantis Financial Services US Corp.
State: IL

Complaint narrative:
Hello, A judgement was entered against me. As a result of that judgement, a wage garnishment was put in for the amount of {$8400.00}. At no point during the garnishment did the creditor update the amount owed on my credit report. The last payment was taken from me more than a month ago on XX/XX/year> and the company hasn't updated the status or amount. On XX/XX/year> I disputed the account as settled in full which the company reported was accurate.

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 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Best buy/Citi bank illegally retaliated by closing my account the day after I submitted my fist ever complaint about them. Leaving me with an incorrect credit balance to be reported next month.Please see attached proof. They are still in the middle of two investigations which will bring my account down from XXXX XXXX to less than XXXX. In efforts to avoid giving me back my money THAT EVEN THE COMPANIES AGREED IS DUE TO ME ( see my last compliant Citi with the CFPb and the documents below ) they instead quickly closed my card during a random " credit check '' that's not even updated and the reason being " I have to many cards '' and " My balance is too high '' though I have 0 negitives when this is my only credit card without a 0 due to the dispute if they would had took the time to ASK and know XXXX is on an internal hold DUE TO FRAUD intil i turn in my ID and social and POA they dont update anythingor let accounts open the dates on that report are OLD. Please see attached balances on my other accounts attached. This us 100 % fear based illegal practices. Either you guys CALL or email me and tell me why my last dispute or information below wasn't enough to close the disputes in my favor AND explain to me even if you are closing my account why the Fraud portion isn't even subtracted AND advise me on how I pay my balance off and have used this card for YEARS now the first time tou need to help me I have a random credit check. I'll get a lawyer if needed that's 0 issue. 

Cards showing balances : XXXXXXXX XXXX XXXX  as oXXXX XXXX XXXX XXXX XXXX as oXXXX XXXX XXXX XXXX XXXX they actually owe me for over payment as of XX/XX/scrub>XXXX XXXX XXXXXXXX ( both 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 monetary relief
Consumer complaint received 2024-09-07 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: CT

Complaint narrative:
I have found incorrect information on my report, I have contacted the credit bureau about this to please verify the account and validate it because its reporting wrong information. My report should be 100 percent accurate they have failed to provide any info. 
The acct is XXXX XXXX XXXX XXXX Acct # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Can you take a look at this account it does not look correct. The dates when the account was charged off .Also my name and address is incorrect on XXXX and Equifax as well as previous address are incorrect with some company for that I'm not apart of I had previously contacted them too let them know I had a debt consolidation company i was working with and they were apart of it and they automatically charged the account off and sold the account to an investment LLc.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TransferWise Ltd
State: NM

Complaint narrative:
I opened my Wise account in XXXX, and since then, Ive been receiving my payroll into that account. However, Wise never provided me with a physical or virtual debit card to access my funds, so the money accumulated until I was able to switch to another bank with my employer. When I tried to move my money from Wise to my new bank account, they closed my Wise account. Wise claims they need to verify the source of the funds, but their own account statement clearly shows that the only incoming transactions were my payroll deposits. Since I couldn't access my money directly, I was sending funds to my current partner so that I could use my money through him, and apparently, thats where I went wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a cred-it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the pay-ment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in-curring an additional finance charge, such addi-tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

THESE ITEMS MUST BE REMOVED IMMEDITALEY un-authorized inquiries 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 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 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

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 2024-09-07 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: EQUIFAX, INC.
State: GA

Complaint narrative:
1666b. Timing of payments ( a ) Time to make payments A creditor may not treat a payment on a cred-it card account under an open end consumer credit plan as late for any purpose, unless the creditor has adopted reasonable procedures de- signed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not later than 21 days before the pay-ment due date. ( b ) Grace period If an open end consumer credit plan provides a time period within which an obligor may repay any portion of the credit extended without in-curring an additional finance charge, such addi-tional finance charge may not be imposed with respect to such portion of the credit extended for the billing cycle of which such period is a part, unless a statement which includes the amount upon which the finance charge for the period is based was mailed or delivered to the consumer not later than 21 days before the date specified in the statement by which payment must be made in order to avoid imposition of that finance charge. 

THESE ITEMS MUST BE REMOVED IMMEDITALEY un-authorized inquiries 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 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 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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
I hope this message finds you well. My name is XXXX XXXX, and I am reaching out to request your assistance in resolving a longstanding issue regarding a second mortgage on my property located at XXXX XXXX XXXX, XXXX, MA, which has caused me significant harm and is now severely limiting my ability to purchase my next home. 

In XXXX, I purchased my home with both a first and second mortgage. During the financial crisis, I successfully modified my first mortgage with Ocwen Financial Corporation, but I have not received any statements, invoices, or demands for payment on the second mortgage in over a decade. Despite multiple attempts to obtain information from Ocwen, I have been unable to determine the status of the second mortgage, and Ocwen has not acknowledged the debt in their system. 

This situation has placed me in a difficult position, as I am now in the process of selling my home and purchasing a new one. However, without resolution of this second mortgage, I am unable to move forward with my purchase. The uncertainty around this mortgage has not only delayed my plans but has caused significant emotional and financial stress. 

I have attached all the documents I have been able to obtain regarding this matter for your review. I would greatly appreciate any guidance or support your office can provide to help resolve this issue, as it is deeply impacting my ability to move forward with the sale of my current home and the purchase of my next home. 

Thank you for your attention to this matter, and I look forward to hearing from you soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Credit 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: CITIBANK, N.A.
State: TX

Complaint narrative:
This is in regards to a CitiBank XXXX XXXX AAdvantage credit card that I currently hold. 

Unauthorized charges appeared on the account XX/XX/XXXX from XXXX XXXX for {$1400.00} each. I had reported the activity immediately to CitiBank immediately and they sent me a new card and directed me to their customer service team to make a dispute. The last call I had made to the Citi Bank customer service team ( XXXX ) in the middle of XX/XX/XXXX, someone named XXXX from their team assured me that the XXXX unauthorized charges and interest charges would be credited by XX/XX/XXXX, after the closing of the previous billing cycle, however the charges have not been credited to my account as of XX/XX/XXXX, which is two billing cycles after the unauthorized charges occurred. 

I have made several phone calls and spent several hours speaking with their customer service and fraud teams and have yet to see resolution to the matter. 

Summary of the unauthorized/disputed charges : # XXXX : XX/XX/XXXXXXXX XXXX XXXX  {$1400.00} XXXX XXXX : XX/XX/XXXX XXXX XXXX {$1400.00} # XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX  {$1400.00} Intertest charges incurred as XXXX result that the customer service team ( XXXX ) assured me would be credited back to my account : # XXXX : XX/XX/XXXX : {$61.00} # XXXX : XX/XX/XXXX : {$120.00}

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 monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Personal information incorrect
Company: Scoutlogic Inc.
State: OH

Complaint narrative:
Listed alias XXXX XXXX XXXX has never been a name that I have used. I have no aliases. I use my name for everything

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-07 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: Shellpoint Partners, LLC
State: MS

Complaint narrative:
I requested an escrow analysis in XXXX of XXXX. I have a surplus of {$1400.00}. On XX/XX/XXXX, I asked to receive my surplus funds back from the analysis. The lender tells me I am late because I owe for XX/XX/XXXX. It is my understanding. I have 30 days to make my loan payment. We were working in the month of XXXX. They denied my request. Now they are reporting to the XXXX credit bureaus that I am 30 days late on my payment. Which has caused my credit score to drop XXXX points. The reason the loan was transferred is because the previous lender. Was in a class action lawsuit over this matter and had to close their doors.

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 2024-09-07 00:00:00
Product: Credit reporting 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:
In accordance with the Fair Credit Reporting act. The account below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

Absolute Resolutions, 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 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 2024-09-07 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: MA

Complaint narrative:
As per the guidance from the Consumer Financial Protection Bureau ( CFPB ) the document needed and a letter from an advocacy group helping me due to XXXX XXXX debt bondage, which falls under XXXX  according to XXXX-Debt Final Rule 1002.142 ( b ) ( 4 ) -5 -- 1002.142 ( b ) ( 7 ).

I kindly request that you block this information from my credit report within four business days, pursuant to section 605C of the Fair Credit Reporting Act. I am a victim of XXXX XXXX  of XXXX XXXX and would like for all listed accounts to be blocked and deleted company information Transunion. Please delete the following accounts. XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX {$1700.00}, XXXX XXXX XXXX. {$980.00}, XXXX XXXX. {$210.00}, XXXX XXXX XXXX XXXX. {$21000.00}. XXXX XXXX XXXX. {$1500.00}

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 non-monetary relief
Consumer complaint received 2024-09-07 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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 2024-09-07 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I, XXXX XXXX XXXX, on XX/XX/year> tried to pay my credit card payment at a physical branch of the wells fargo bank. The branch being the bank at XXXX XXXX XXXX XXXX XXXX, XXXX XXXX The teller I ended up with was being trained by the bank manager XXXX XXXX. I offered to pay my credit card with my debit card. She immediately said you can't do that very rudely. She acted like she knew me. I informed her iv done this several times before. She then said we will have to do a cash draw on my debit and there will be fee. I said no ma'am thats never happened before. She was so rude and condensing our whole engagement. I didn't understand what was happening and why I would be charged a fee to just simply pay my credit card payment. She immediately got defensive and then said very loudly so that everyone in line could hear her tell me she does not have to take my payment and threatened to have security remove me from the bank. I honestly feel like the way I'm being treated by this bank is retaliatory for all the complaints iv filed with the CFPB, the numerous complaints iv filed with the bank itself and all the negative reviews iv posted online. I just want to pay this credit card off. The way iv been treated by this bank has affected mentally. Everytime I come to this bank or any other for that matter I have to take my XXXX meds it's that bad. No one should be embarrassed and harassed in this manner for doing the right thing and paying there bills. This world is hard enough with out people like XXXX XXXX and the bank she represents preying on people.

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