vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: UMPQUA HOLDINGS CORPORATION
State: WA

Complaint narrative:
President Biden spoke about this issue with bank overdraft fees in his State of the Union address last night. It is an unconscionable practice that preys on the low income and disabled population, who are least able to navigate it. Biden said that credit card overdraft fees should be {$8.00}, instead of the much higher fees currently charged. 

My son XXXX XXXX XXXX XXXX, who has a XXXX and no income, has overdrawn his Umpquah Bank account and has incurred {$770.00} in fees. The account was opened when XXXX was in residential care in XXXX XXXX XXXX in XXXX 

XXXX moved back to XXXX in XXXX and overdrew by {$650.00}, and in XX/XX/XXXX and incurred 5 overdraft fees of {$35.00} = {$170.00}. I called the XXXX XXXX XXXX XXXX ( XXXX ) branch of the bank and was told that some of the fees could be refunded if we brought the account to a XXXX balance. We brought this to a XXXX balance on XX/XX/XXXX - and only one fee of {$35.00} ( of the {$170.00} ) was refunded. 

XXXX overdrew again in XXXX with a XXXX charges of {$88.00} and {$44.00}. XXXX did not know that XXXX kept trying to charge the account and he incurred 17 charges of {$35.00} = {$590.00}. 

XXXX XXXX, the bank manager at the XXXX branch XXXX has been helpful, but unable to refund any of the fees. XXXX called XXXX XXXX, the branch manager of the XXXX XXXX branch, and XXXX said will refund {$150.00} of the {$730.00} in new overdraft fees if we bring this to XXXX balance again. XXXX is at the branch on XXXX XXXX XXXX, XXXX XXXX, ID XXXX, XXXX. 

The balance is negative {$1000.00}, of which {$770.00} ( minus the {$35.00} refunded ) are fees. We are unable to bring it to a XXXX balance again because I am unemployed, and my husband is retired. 

XXXX was going to a local branch of the bank in XXXX, and that branch was closed down in early XXXX and XXXX did not have a branch that was close by to where he was living. He was therefore unable to deal with this issue in person.

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 2023-02-08 00:00:00
Product: Credit card or prepaid card — Store credit 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: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
I purchases two items from Express with my Express credit card ( ending in XXXX ) via Comenity bank on XX/XX/XXXX in the amount of {$99.00}. The order # was XXXX. It was a sweater and a pair of pants. I received the order and promptly returned the items on by creating a return label on the websites online portal on XX/XX/XXXX. I then received an email on XX/XX/XXXX stating my return had been processed and I should see the amount of {$99.00} refunded back to me within 7 business days. I did not receive the credit. I reached out to the the company on XX/XX/XXXX and XX/XX/XXXX, they told me to give it up to 3 weeks. I also called and opened a dispute via phone. I now recently received a letter closing my dispute as they claim to have no record of receiving the return, even though I have an email from them acknowledging the receipt of the return. I have also now been charged interest on these items, which they also assured me would not happen while my claim was being investigated. I have also now written them a letter with the attachments I have included here, including their acknowledgement of receiving the return. 
I want my credit of {$99.00} and the interest I was charged returned to me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08 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: TX

Complaint narrative:
Misuse of my credit report. 
15 U.S.C 1681 602 A : States I have the right to privacy.

15 U.S.C 1681 604 A Section 2 : It also states a consumer agency can not furnish a account without my written instructions 15 U.S.C 1692C : Without the prior consent of the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt

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 2023-02-08 00:00:00
Product: Checking or savings account — Savings account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Hi CFPB. I got a disaster experience from CITI bank. I am under a big potential loss of XXXX dollars and more citi 's thank point loss. 

So I currently have 4 credit card of citi banks. It is just fine. CITI always sends useless promotional emails which I usually ignore. On XXXX  XX/XX/XXXX, I received a promotional email from CITI that they wants me to open saving account, 3.4 % yield, and if I keep XXXX dollars for 60 days, they will give me XXXX $ ( it will be 3.4 % +0.9 % *6= 8.8 % yield ). Please see attachment ( citi_promisied_saving_account_they_lied.pdf ). 

I opened my CITI saving account on XXXX and I have transfered XXXX dollars at the same time to XXXX saving account. Please see attachment ( now_citi_managed_to_get_my_money.pdf ) Then you know what happened? 

They closed my saving account on XXXX after they received my XXXX dollars. Please see attachment ( this_is_how_citi_makes_money.pdf ) At the same time, they block my entire citi accounts. I not only lost access to my XXXX dollars saving account but also all my credit cards. 

I use a few days to give XXXX dollars to CITI and CITI can steal my money for years until they return me a check which they never promise a data and paying no interest for it. 

At the same time, they can easily ruin my credit score by not allowing me to access my credit card online account and not allowing me to use any cash back I have earned.

I spent hours to go through CITI 's customer service, thank you for the rude customer service, hours wasted by moving me from one and the other department in a cycle way again and again, and even the launghing in the phone call which makes me totally not able to understand what is the customer service that CITI trained for, I decide to file this claim at CFPB. The only fault I made is that I trusted CITI, but know I do not believe it is fair for me to take such big loss.

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 2023-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
XXXX XXXX is a fraudulent account. Ive attached all required documents with respect to 15 usc 1681c-2. Please see attached documents.

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 2023-02-08 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 The Bankruptcy that is showihng on my credit has violated my consumer rights.

16 USC 1691 States I have a right to privacy.

16 USc Section 604A It also states a Consumer Reporting Agency can not furnish an 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 2023-02-08 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act The Bankruptcy that is showihng on my credit has violated my consumer rights.

16 USC 1691 States I have a right to privacy.

16 USc Section 604A It also states a Consumer Reporting Agency can not furnish an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX I recently looked at my report and realized that there were inquiries, accounts, and delinquents hindering me from making purchases such as buying a house and car. These accounts listed are a result identity theft and need to be removed immediately. In accordance with Fair credit reporting act XXXX these accounts has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 section 2 it also states a consumer reporting agency can not furnish a account without my written consent

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 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: NY

Complaint narrative:
XXXX XXXX XXXX XXXX EXPERIAN XXXX XXXX EXPERIAN XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I recently looked at my report and realized that there were inquiries, accounts, and delinquents hindering me from making purchases such as buying a house and car. These accounts listed are a result identity theft and need to be removed immediately. In accordance with Fair credit reporting act XXXXXXXX these accounts has violated my rights. 15 U.S.C 1681 section 602 A. States have the right to privacy. 15 U.S.C 1681 Section 604 section 2 it also states a consumer reporting agency can not furnish a account without my written consent

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 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
Name Address : XXXX XXXX XXXX  XXXX, NY XXXX Date : XX/XX/2023 I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

Account name XXXX XXXX XXXX XXXX  Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove ti from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
Name Address : XXXX XXXX XXXX  XXXX, NY XXXX Date : XX/XX/2023 I just looked at my credit report because I have huge goals. I am looking to buy my first house. I just wanted to make sure everything was reporting 100 % correct and everything was accurate. Can you reinvestigate the completeness and accuracy of the list of accounts below. 

Account name XXXX XXXX XXXX XXXX Account Number : XXXX investigate the completeness and accuracy of every piece of information If its not accurate, please remove ti from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2XXXX 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 2023-02-08 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: CT

Complaint narrative:
To Whom It May Concern : I recently received a copy of my ( XXXX, XXXX or TransUnion ) credit report, and I noticed some late Payments posted on my credit report : XXXX XXXX XXXX XXXX XXXX, Your company is in clear violation of the law. Under 15 USC 1681b permissible purpose of consumer Reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the Following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates. Did I give you written instructions to furnish this account on my credit report? Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer Credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not Include- ( A ) Subject to section 1681s-3 of this title, any- ( i ) report containing information solely as to transactions or experiences between the consumer And the person making the report ; Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681. Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of My report after the changes have been made will result in legal actions being taken against your company.1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations 4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability For willful noncompliance [ 15 U.S.C. 1681n ]

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 2023-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: Bread Financial Holdings, Inc.
State: UT

Complaint narrative:
A check for {$2300.00} was mailed to Comenity Bank to pay the full balance of my XXXX XXXX credit card, on XX/XX/23. the check was applied to the account according to their website on XX/XX/23. The account was overpaid by {$200.00}. Yesterday I emailed them and requested the {$200.00} I overpaid be refunded to me and received a response that the refund request had been made and to wait 7 days for the check. 

Today I logged into check on things and the website shows that the {$200.00} credit has been reduced to {$150.00}. Reviewing the account it clearly shows interest being charged the day AFTER the account was paid in full. I do not believe these charges are valid and want them reversed. I called the company and spoke to 2 different individuals XXXX ( I may be remembering their name wrong ) first and then a supervisor XXXX. Both insisted that they can not reverse the charges, and XXXX insisting that they are valid. The first person I spoke with also said that the payment posted on XX/XX/23, but as you can see from the attached pdf of my account ( account summary.pdf ) it says it was posted on XX/XX/23. 
According to the dates on their website after logging into my account, the charges were posted after the balance was paid in full. I have read my account statement and I do not see anything that says they can charge interest after the balance is paid. I want the charges reversed and my full overpayment of {$200.00} refunded to me. Thank you for your time and assistance. 

XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-02-08 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: EQUIFAX, INC.
State: MO

Complaint narrative:
Hello my name is XXXX XXXX and I have been reaching out to all three credit bureau 's via mail trying to resolve this debilitating issue for the past 2 months to no available. I have been disputing these accounts with The credit reporting agencies who are inaccurately reporting information on my consumer report without my consent. They are in violation of 15 USC 1681 e ( b ) where I am supposed to be promised accuracy in my report based on federal law. The companies have not been responding which is extremely frustrating and at this point Im not sure what else to do. 

I wrote to them on the following dates : XX/XX/2022 2022

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-08 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a purchase shown on your statement — Overcharged for something you did purchase with the card
Company: SYNCHRONY FINANCIAL
State: NJ

Complaint narrative:
On XX/XX/XXXX we purchased several items from XXXX. XXXX. The total was {$5400.00}. The agreement made at the time of the purchase was that a portion of the purchase, {$2200.00}, was payable without interest over a period of 24 months. This calculates to {$93.00} per month. The remainder of the purchase, {$3100.00}, was payable without interest for a period of 36 months. This would calculate to $ {$88.00} per month. I have the receipt that states this information. 
From the above information, it would seem that I owed {$180.00} for the first 24 months and {$88.00} for the remaining 12 months. 
I began to receive bills from Synchrony Bank located in XXXX, FL, for the total amount of the purchase, {$5400.00}. These invoices began in XXXX of XXXX. 
For the first XXXX months I paid only $ XXXX month. I also attached a letter explaining that I was not responsible for the entire amount immediately. I feel the amount I paid, {$150.00}, was in error. I should have paid {$180.00}. 
Starting in XXXX I began to pay {$180.00} each month. 
In the statements from the bank there were financial penalties added to the account. 
Starting in XXXX of XXXX, 24 months after my original purchase, I reduced my monthly payment to {$88.00}. 
Through the XX/XX/XXXX payment I have paid {$4300.00}. This should result in a remaining balance of {$1000.00}. However, in my latest statement from the bank the remaining balance is {$2100.00} In XXXX of XXXX I met with XXXX. XXXX XXXX XXXX XXXX regarding this matter. He agreed that the terms of payment were as I outlined in point XXXX above, but was otherwise not helpful. 
In XXXX, XXXX, I spoke with XXXX XXXX, XXXX XXXX XXXX, and explained this to him. He said that he would call XXXX. XXXX and ask their bank to acknowledge the original agreement. 
* At the time of the last statement from Synchrony Bank, I had paid {$4500.00}, with a remaining balance of {$890.00}. 
* Per the statement from the bank, the balance is {$2000.00} and I have a " XXXX XXXX '' amount of {$130.00}. 
Please understand that there have been numerous letters accompanying my monthly bank payments, but seemingly with no concrete results. 
I have also spoken with a representative from the bank, and that person dismissed my concerns without any explanation. 
Also understand that I keep very thorough notes and files and could supply anyone asking with a written history of this matter.

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 2023-02-08 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: GA

Complaint narrative:
Account XXXX XXXX  XXXX XXXX Has violated my rights 15 USC 1681 section 602 states I have the right to privacy 15 USC 1681 section 2 also state a consumer reporting agency can not furnish you without my written of instructions so what that means is I have rights to my privacy

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 2023-02-08 00:00:00
Product: Debt collection — Auto debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Westlake Services, LLC
State: FL

Complaint narrative:
fraudulent contract I have a different copy than the one this company has they also repossessed my car and never sent me a letter about the debt within 5 days as required by law they have now hit my credit with 42 months of negative charge off

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