vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
My son in law recently started assisting me with my finances last month and noticed I was getting a {$25.00} service fee every month on my checking account. I am a XXXX XXXX so i do not use online or mobile banking, I just rely on my local branch to provide me with assistance when needed. We called citibank together and spoke to a representative as well as a team supervisor. We explained that I have been banking with Citibank for 40 years and no one has ever suggested for me to be placed in a Basic Banking account which is free for anyone over the age of XXXX, i found this information from my son in law. I am now XXXX yrs old and i am sure after this is researched further u will be able to see that I have been receiving this {$25.00} fee for years.Basically after conveying this information to the supervisor he said there is nothing he could do, that i was supposed to tell citibank about their products and that i should have known how i can keep my accounts free. After the phone call i decided to put in this complaint because i feel like what citibank did to me is highly unethical and morally alarming due to my age.

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 2022-03-02 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 FAIR CREDIT REPORTING ACT ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: FL

Complaint narrative:
IN ACCORDANCE WITH FAIR CREDIT REPORTING ACT ACCOUNT # XXXX 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies. 
( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors 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 2022-03-02 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My forbearance began in XX/XX/XXXX thru XXXX XXXX XX/XX/XXXX was Informed by Bank of America XXXXhat I had three possible options, repayment plan, modification, or deferment of payments to the end of the loan. I was later told I did not qualify for deferment since I had a missed payment. After evaluation, it was determined that repayment would not be an option because the payments would be too high. The best option would be to apply for a modification. I completed my initial application for assistance in XX/XX/XXXX and provided the requested documents. In XX/XX/XXXX Bank of America had questions about bank statements that were submitted. I provided letters of explanation. 
My initial paystubs were deposited in my daughter 's checking account-provided letter of explanation to Bank of America XXXX In XX/XX/XXXX was informed that the letter was not satisfactory-BOA was requesting my daughter 's bank statement. My daughter did not want to share the information .BOA would accept letter from my daughter 's bank verifying account. The bank did prepare that letter for BOA. In XX/XX/XXXX, I was informed that the information was not sufficient and assets could not be verified. I have resubmitted a request for mortgage assistance -my paystubs are now deposited into my account. I received a letter from BOA that assets could not be verified. I spoke to BOA and was asked to re-submit the application. I re-submitted the application and again received the same response. Bank of America has received all updated documentation but is sending the same response.

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I was checking my credit report, there are so many negative information. I told you, these information do not belong to me. Im sure that someone have my personal 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 2022-03-02 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Bull City Financial Solutions, Inc
State: SC

Complaint narrative:
There is an amount on my XXXX credit report from bull city financial account number is XXXX for {$230.00}. I was a victim of identity theft, I have filed multiple police reports as well as have contacted the credit bureau to remove this information. I am now in progress of pursing legal action against this creditor as well as the bureau because it has yet to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: NJ

Complaint narrative:
On XX/XX/22 I paid {$130.00} for 4 international seats to fly on XXXX XXXX. I picked 2 regular seats and 2 exit row seats. I had the worst experience flying from XXXX to XXXX on XX/XX/XXXX. For starters my seat would not recline back. And in addition the passenger in front of me had no mask on and without consideration reclined back his seat for the whole 8 hour trip. I alerted the flight attendant and she confirmed and acknowledged that my seat was broken and offered to do nothing to correct my comfort. Since my layover was 4 hours in XXXX. I went to customer service and asked if I can upgrade my flight to Business Class due to the issues of my seat being broken. They initially quoted me {$200.00}. And under the assumption of the quoted price of {$200.00}. I agreed to pay {$200.00} for a 2 hour Business Class seat and prayed that my seat would recline back for my comfort. But once I got to XXXX I noticed that my credit card was charged {$1100.00} on XX/XX/XXXX. I immediately reported fraudulent activity to TD Bank. I also filed a complaint on XXXX XXXX site as well. Neither parties had did nothing to assist this wrongful issue. I reached out to TD bank. Who in turn left me on hold for over an hour twice then proceeded to disconnect out of no where without getting any resolve. I filed a dispute and they finally said that XXXX XXXX was in the right for charging me {$1100.00} for Business Class. After I explained to them that they had the receipt in written in XXXX and the only language that I know is English. Checking in on XX/XX/XXXX and verifying my two Exit row seats. I noticed they deleted my seats I paid for in the system. I spoke to them at the airport and they were very very nasty and unapologetic about what had happened and did nothing. So Im supposed to let them charge me for seats I didnt pick and let them get away with it? I called TD banks numerous times to reopen both disputes and both times they said a manager would call me back. This is day 6 and no one has responded back to me. TD Bank is the most unorganized and unprofessional credit card company I ever had to deal with. 

The whole process from me booking my flight with TD Bank with my reward points and for them not to be able to upgrade me to business class like I asked in XXXX has been a disaster. They kept giving me the run around telling me to call XXXX XXXX and XXXX XXXX  telling me to upgrade with TD Bank Rewards Dept.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-02 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 — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There is a collection account that's been reported on my most recent credit report that I have recently disputed the validity of. Upon challenging this, XXXX XXXX Equifax MUST permanently delete the account on the basis that the bureau was unable to effectively confirm all the reported information is accurate. Due to the fact that I challenged this account with the credit bureaus, I noticed that you have now verified this same account. It has been more than 30 days that the bureaus have not RESOLVE or RESPONDED to my letter sent on the XX/XX/XXXX of 2022 I was led to believe that all credit bureaus receive the same information from the creditor under the Fair Credit Reporting Act ( FCRA ) ; if that is the case, I would like the creditors and the credit bureaus to provide copies of all the documentation you used to verify this account. In the event that such documentation is not produced, please DELETE this account from my credit report as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
Despite the multiple previous written requests, the unverified account listed below still remain on my credit report in violation of Federal Law. They failed to comply with air Credit Reporting Act, 15 USC sections 1681i within the time set forth by law and continued reporting of unverified ( erroneous ) information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. 

XXXXXXXX XXXX XXXX XXXX Balance : {$720.00}

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
IM FILING COMPLAINT AGAINST THESE COMPANIES FOR REPORTING UNAUTOHRIZED INQUIRIES TO TRANSUNION CREDIT BUREAU : 1. 3. XXXX XXXX XX/XX/2021 XXXXXXXX XXXX XXXXXXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I'VE CONTACTED THESE COMPANIES AND REQUESTED THEY INVESTIGATE BECAUSE THEY HAVE REPORT INACCURATE INFORMATION TO THE CREDIT BUREA AND THAT I HAVE NO KNOWLEDGE OF THESE COMPANIES AND REQUESTED THEY PROVIDE ME WITH PROOF OF CONSENTING TO HAVE CREDIT PULLED. THEY HAVE IGNORED MY EMAILS AND WRITTEN REQUEST.

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There are false accounts included in my credit reported and i have been writing to the bureau for the past two months.

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 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
During a recent review of my personal consumer credit report, I saw what seems to be some unauthorized and/or fraudulent credit inquiries, as well as ones that were clearly deficient of the compliant demonstrated permissible purpose ( to be kept or disclosed lawfully ), allegedly made by the following Original Creditors. The Fair Credit Reporting Act requires that a creditor be able to verify the written authorization of the consumer giving the creditor permission to review their credit. Experian failed to provide a copy of a credit application authorizing the disclosure of my credit files with my signature. If a signed authorization can not be found they are required to remove the inquiries from my credit report. Also, per pursuant of section 604 it indicates the only permissible purpose for inquiries are firm offer of credit, court order, employment and insurance. From my records neither did I authorize these inquiries there is not permissible purpose that applies so therefore Experian is REQUIRED to immediately remove each and every last one of them 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 explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information belongs to someone else
Company: Sterling Infosystems Inc.
State: NY

Complaint narrative:
i found out today that i have false information on my background check

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 2022-03-02 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 FAIR CREDIT REPORTING ACT ACCOUNT # 899285 15 USC 1681 SECTION 602 A STATES I HAVE THE RIGHT TO PRIVACY 15 U.S. Code 1681s2 - Responsibilities of furnishers of information to consumer reporting agencies.

( a ) DUTY OF FURNISHERS OF INFORMATION TO PROVIDE ACCURATE INFORMATION 1 ) PROHIBITION ( A ) Reporting information with actual knowledge of errors A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN

Complaint narrative:
On XX/XX/2022 sent a letter regarding inaccurate and unknown things on my credit report, To this day over 30 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30days gives a reason to immediately remove those items from my credit report it has been over 30 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXX, XXXX and Transunion data breach and may have got into the hands of the wrong 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 non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK
State: VA

Complaint narrative:
After reading and understanding my federal rights as a consumer. The FDCPA intends to secure consumer right to privacy, and protect consumers from the use of abusive, deceptive, and unfairdebtcollection practices bydebtcollectors. I believe there is abundant evidence that proves Discover Card has been participating in abusive, deceptive, and unfair debt collection practices. I'm requesting that discover card please deliver a notice of debt pursuant to 15 USC 1692g including the material disclosure required under Truth in Lending. Federal Law requires a debt collector to send notice of debt within 30 days of receipt of the dispute.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-03-02 00:00:00
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Problem with customer service
Company: Nelnet, Inc.
State: SC

Complaint narrative:
I had private student loans with XXXX XXXX that were sold and transferred to Firstmark ( a Division of Nelnet around XXXX of XXXX. I am currently in XXXX XXXX, and some of my private student loans from my XXXX college loans had run out of standard forbearance time while they were still at XXXX. I was able to file for extended/hardship forbearance ( NOT COVID-19 related ) over the phone with proof of enrollment data from XXXX XXXX XXXX. I was last approved for this in late XXXX XX/XX/XXXX with XXXX  data. I was told Firstmark would be able to check this. I no longer have the secure e-mail from XXXX XXXX XXXX message center, but I have the e-mail notification that the correspondence occurred ( attached ), and at least one approval notice of this forbearance that I can find if needed. I was assured by XXXX and Firstmark that my hardship forbearance would remain in place until I graduated. This is what is stated on XXXX 's updated student loans website XXXX XXXX XXXX XXXX XXXX as well. My loans have been NOT been consolidated, refinanced, or otherwise modified with Firstmark, so XXXXXXXX XXXX terms should still be in place. By XXXX of XXXX I received notice that these loans had gone into repayment because there was no standard forbearance time left I know this, its why I had a hardship forbearance to begin with. When I called and tried to explain that I knew this had been approved for their hardship forbearance with XXXX before the loan was sold, and that they should have all of this on file, I was told that " they didn't do that because they weren't XXXX '' and there was " nothing they could do about it ''. I get conflicting information every time I call, and every time I ask to speak to a supervisor or anyone might be able to look up my files I get put on hold/hung up on/told I'd get a follow up e-mail but don't. They refuse to look into the original terms of my loan and keep telling me about what I can do with my student loans under their terms- as if I'd taken it out with them to begin with - when they are supposed to honor the terms I had at XXXX XXXX, including any ongoing forbearance. I have tried calling XXXX to see if they had any records to clear this up, they said they don't have them and that Firstmark should. Firstmark has not made any effort to review my documents or fix this issue ( or even contact me! ) and I dont have copies of my hardship forbearance since I filed it over the phone with XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
There are false accounts included in my credit reported and i have been writing to the bureau for the past two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: Siggi LLC
State: NC

Complaint narrative:
The Omni interest rate was extreme

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-02 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
On XX/XX/2021 a cfpb complaint was filed against Synchrony bank for their debt collection abusive practices. A cease and desist sworn affidavit was certified mailed to Synchrony bank. They were instructed to cease and desist both via cfpb complaint and certified mail. Synchrony bank has continued to harass I, the consumer, with repeated phone calls multiple times a day.

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