vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Improper use of your report — Reporting company used your report improperly
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
Hello. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX. A few weeks ago, Bank of America shut my account down without prior notification ( in any form ) proclaiming that i agreed to this ( them being able to do such a heinous and unprofessional act ) they can do this because it was in the fine print I was pressured at the B of A desk which I signed to be a banker there some XXXX or 5 years. Now ( even upon request ) They wont give me the reason why they shut my account immediately and are withholding my funds, maybe using ticket-tac ways to liquidate it ( starting I had XXXX and now its ended up they reversed payments so its XXXX ). In all this that could drive someone sick Bank of America never offered to help me with my credit card/score ( they would always reject my requests to work with a service to help my credit score get on track and better- this had a lot to do with my XXXX- XXXX XXXX XXXXXXXX XXXX XXXX, don't wan to get the toothbrush to clean, etc ) and how i wanted to work with them to become better as a credible person in society.

They never tried to assist me kindly - especially when they didn't like my answer because I argued and didn't just back down, - I was always having fights with the agents and then they hang up on me because Id go too far... while Im on the maximum legal XXXX XXXX XXXXXXXX for such things as when hypothetically I get a low amount in my bank ( out of nowhere ) and I can get very scared to have almost hhad convulsions in which Ive told them about. I feel theres some higher-up as well as their mignons who are discriminating against me ( especially in a situation as such ) future financing for me, a bank that is now threateing to sabatoge my credit ( red flag me, etc. ) for the next five years because of misconduct and low amounts in the account. really honestly dont need that right now. Its hard enough just being. Please help me. Thank you.

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 2024-08-23 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
I had a Citibank credit card as a member of Costco which I closed on XX/XX/XXXX because of deceptive interest rate practices. My final payment was for the purchase of a refrigerator and was made on XX/XX/XXXX in full. I am now being charged additional interest because the payment was not made on the STATEMENT DATE but within the period shown on the statement. This charge is unacceptable and how can Citibank get away with charging interest before the due date of the remittance.

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 2024-08-23 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Personal line of credit
Issue: Charged fees or interest you didn't expect — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I have a personal loan through Wells Fargo, it has been a horrible experience I have been charged late fees every single month and they have even called the co-signer and told them the loan was late when it was not and she made a payment, then turned around and got another payment from me. A late fee is added to the account every month and everytime I schedule a payment to come out, they do not take out, then charge me a late fee. I want a payoff offer on this loan, and all fees removed. This has been a nightmare.

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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable. 

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed. 

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681 Account Name : US DEPT ED Account Number : XXXX Account Name : US DEPT ED Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXXXXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX  Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose. 

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable. 

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case. 

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed. 

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 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: CITIBANK, N.A.
State: NY

Complaint narrative:
Ive had an open dispute with Citibank disputing charges from XX/XX/24, and as of this week I have another. On XXXX I got an email alert from Citibank telling me my acct was XXXX. I called the bank and spoke to manager named XXXX who told me that due to an error, there were duplicate transactions pending one for {$490.00} and one for {$200.00} ( which were already processed ) also I had to returned items one for {$42.00} and one for {$55.00} and later on a {$200.00} charge returned for no rhyme or reason whatsoever. XXXX assured me and that it was a mistake and would be cleared up. However, that never happened. I never got {$1.00} back from them instead they chose to change around the transaction history and not even include in my bank statements I was ever even negative. Since this happened my credit score went down XXXX points, I was Denied a credit card due to the {$200.00} being the payment. And Now again this month I go to pay my rent on the which is XXXX and its returned 7 days later, however, instead of Citibank using the return funds to cover other transactions, they decided to continue to put me into the negative so that when they were turned back the funds I was still negative and never got back any money. Now I owe over {$500.00} due to the returned funds. Im at my wits end, im XXXX, I live off of XXXX and Im about to get evicted and my electric shut off. The citi respond unit is a joke, theyve been telling me XXXX days since I opened the dispute, and the customer service reps barely speak XXXX and when they cant answer a question correctly, they hang up on you. I had to go line by line and try to figure out everything that Citibank did and changed on my transaction history as well as my statements and as of now they owe me well over {$1000.00}. I need this money. I am in XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I dis not uthorize these account and can not find any permissible purpose under this section that justifies their presence on my report, ACCOUNT XXXX XXXX XXXX XXXXXXXX AND 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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I am writing to disputed account on my credit report that were made withot my consent. According to section 604 of the FAIR CREDIT REPORTING TO SECTION ( 15 U.S.C 168 1B ) THERE ARE SPECIFIC PERMISSIBLE PURPOSES FOR OBTAINING A CREDIT. I dis not uthorize these account and can not find any permissible purpose under this section that justifies their presence on my report, ACCOUNT XXXX XXXX XXXX XXXX AND XXXX XXXX XXXX XXXXXXXX

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 2024-08-23 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
" Method of Verification Dispute Notice : Remove these Fraudulent Accounts, Inquiries & Inaccurate Personal Information. 

The banking system is contingent upon equitable and accurate credit reporting, as stated in the equitable Credit Reporting Act ( 15 U.S. Code 1681 ). The banking system 's efficacy is directly impacted by inaccurate credit reports, and the public 's confidence is undermined by unfair credit reporting methods, which are essential for the system 's continued operation. 

Therefore, the efficiency of the finance system is compromised whenever the FCRA is violated. This is a violation of my privacy with respect to my consumer report, as I have the authority to determine which items are included and which are not. Identity theft is the act of reporting any accounts without my written consent. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This results in civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n. The law permits a {$1000.00} fine per violation for each account listed without my expressed written assent. 

I reviewed my consumer reports and observed accounts that I had never granted anyone permission to report. Consumer reporting agencies have taken on a critical role and are obligated to report consumer information with the utmost accuracy, as the Fair Credit Reporting Act explicitly stipulates. I did not provide written consent to report them. I am expressing my dissatisfaction with the contents of the attached file. 
"

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 2024-08-23 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: OK

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 that I have the right to privacy. 

15 U.S.C. 1681, section 604 ( A ), states : It also states that 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 include in any consumer report any 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 ) states : 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 non-monetary relief
Consumer complaint received 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
In 2019, during the height of the COVID-19 pandemic, I faced severe financial hardship due to the widespread economic impact and loss of employment. Given the unprecedented circumstances, I believed that credit reporting agencies and creditors were instructed to provide leniency and not adversely affect credit reports for accounts impacted by the pandemic. This belief was based on the understanding that the CARES Act and similar protections were in place to prevent negative credit reporting during such a crisis. 

At the time, I did not anticipate that my account would be reported negatively. I assumed that the credit reporting agencies and creditors were adhering to guidelines to protect consumers during this period. Consequently, I did not take further action to dispute the account, as I believed that the situation would be handled appropriately given the widespread financial struggles caused by the pandemic. 

The account in question was reported with late payments and a vehicle repossession. I am now seeking correction of this information to ensure it accurately reflects the impact of the pandemic and the protections afforded under the CARES Act.

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 2024-08-23 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
In 2019, during the height of the COVID-19 pandemic, I faced severe financial hardship due to the widespread economic impact and loss of employment. Given the unprecedented circumstances, I believed that credit reporting agencies and creditors were instructed to provide leniency and not adversely affect credit reports for accounts impacted by the pandemic. This belief was based on the understanding that the CARES Act and similar protections were in place to prevent negative credit reporting during such a crisis. 

At the time, I did not anticipate that my account would be reported negatively. I assumed that the credit reporting agencies and creditors were adhering to guidelines to protect consumers during this period. Consequently, I did not take further action to dispute the account, as I believed that the situation would be handled appropriately given the widespread financial struggles caused by the pandemic. 

The account in question was reported with late payments and a vehicle repossession. I am now seeking correction of this information to ensure it accurately reflects the impact of the pandemic and the protections afforded under the CARES Act.

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 2024-08-23 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Unifin Inc.
State: AZ

Complaint narrative:
I've been receiving repeated calls from representatives claiming they are unifin contacting me for a private matter that they will not disclose unless I verify my name, social security number, date of birth and home address. I did get a representative to disclose that they were attempting to collect a debt for a XXXX  phone bill. XXXX is no longer in existence so this indicated to me that it may be a scam trying to steal my identity. I've requested on numerous occasions for a debt validation letter which I have not received. I've asked for them to verify license numbers or company credentials that they did not provide. They attempted to direct me to a website. I did not want to subject myself to malware or any other Internet attacks so I did not comply with their attempt. 
I was a customer with XXXX  over ten years ago and do not have an outstanding debt with them. Any debt they may be claiming would be well past the federal statute of limitations. I feel this is an ongoing scam to pressure citizens to disclose their private information with malicious intent and I feel I'm being harassed. This has caused a considerable strain on my life and I do not wish to receive further contact if not to validate their claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: TRUIST FINANCIAL CORPORATION
State: MD

Complaint narrative:
I was told by an agent to pay {$330.00} in the month of XXXX because it was all I owed, and pay my monthly payment of {$650.00} XX/XX/XXXX, I was then harassed by repeated calls, over 27 calls in the month of XXXX by Regional Acceptance for just a late payment, after I asked them to stop

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