vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-23 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: MS

Complaint narrative:
My new Citi credit card has declined charges numerous times. When I get Citi to fix the problem, it quickly recurs, preventing me from making charges on the card. I opened the card in response to a promotional offer that requires me to spend {$4000.00} in 3 months. Because of the bank 's frequent charge declines, it appears I may not be able to spend the required amount to receive the bonus they promised in the credit car contract. 

This is the only bank that consistently gives me this problem. I have credit cards with XXXX XXXX, XXXX, and other banks. They do not give me any problems like this.

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 2022-08-23 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: NAVY FEDERAL CREDIT UNION
State: MD

Complaint narrative:
I, XXXX XXXX, am submitting this complaint on behalf of myself without any assistance form third parties. I spoke with XXXX on the phone in response to their failure to properly report accurate information. They are not reporting 100 % accurate data as required by FCRA and are violating 15 USC 168s-2 ( b ). They did not conduct a proper reinvestigation with the furnishers of the information. I have also spoke to Navy Federal Credit Union and they told me different information than what they are reporting to the CRA 's. I told them it was inaccurate, they are now aware that there are errors on the consumer report, which is a violation of 15 U.S. Code 1681s2 ( a ) ( 1 ) ( A ). This inaccurate data has been damaging to my entire financial profile. I have been denied extensions of credit, car loans and business loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: ALLY FINANCIAL INC.
State: UT

Complaint narrative:
I made a prior complaint in XX/XX/2022 regarding receiving a refund for the overpayment on my payoff and the refund for my GAP insurance. The company reported to you in XXXX that all of the refunds had been processed with the GAP being sent out on XX/XX/XXXX. You closed the complaint. While I have received the overpayment refund, I have yet to receive the GAP insurance refund despite calling over and over and getting a different story every time. I just want my money back and for Ally to stop these predatory practices. If they are unwilling or unable to perform their end of loan duties, why are they in business. I would never get another loan through them based upon this experience

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 2022-08-23 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX, have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 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: CA

Complaint narrative:
in accordance with the Fair Credit Reporting act XXXX  # XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX have violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I have been disputing this account for over a year now. XXXX XXXX XXXX XXXX has ignored my request to provide me with all documentation in their possession pertaining to this account. So I don't understand how the credit bureaus are constantly updating this account as verified when I am 100 % sure XXXX XXXX XXXX XXXX hasn't provided them with any proof of the account either. On top of that, I have not received any results from the credit bureaus from any of the investigations I have requested. Here are the dates for each dispute I have sent XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 for this year. So at this point its clear that the credit bureaus have not conducted a proper investigation for this account which is a violation of the FCRA. I want this account deleted ASAP.

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 2022-08-23 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: PA

Complaint narrative:
On XXXX XXXX I was notified by my financial institution, XXXX  XXXX XXXX, that my account had a lien placed on it by Hayt, Hayt, & Landau, LLC ( debt collection firm ) due to a outstanding credit card debt. My bank account was frozen and {$1400.00} was seized. On XX/XX/2022, I received written communication in the mail from the bank ( see attached ), which stated that I owed {$3400.00}. On XX/XX/2022, I contacted Hayt, Hayt, & Landau, LLC, via telephone along with my mother, who provided them with her banking ACH information to do an electronic funds transfer in the amount of {$3400.00} from her checking account. Prior to making this payment, I was told by XXXX XXXX, ( a representative of Hayt, Hayt, & Landau, LLC ), that once the {$3400.00} payment was made, they would refund the {$1400.00} to my checking which had been previously seized and placed in an escrow account. As of today, XX/XX/2022, the funds have not been placed in my checking account nor has my bank account been restored for me to use. On XX/XX/2022, I walked into a branch of the bank to discuss this matter with Relationship Manager, XXXX XXXX, to whom I provided a document stating that I had paid Hayt, Hayt, & Landau, LLC the amount owed of {$3400.00}. Still, my checking account has not been restored nor have I received my {$1400.00}. I have sought legal counsel who has emailed and faxed the bank representative, however, I still have not gotten anywhere with this. 

Your assistance in this matter is much needed and will be greatly appreciated. Should you require any additional information, please feel free to contact me via my cell phone, email or USPS. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
CFPB + Equifax + The XXXX XXXX XXXX, Attached to this complaint are : drivers license social security card address complaint letter stating this collection has not been validated to be mine screen shots of where it shows on Equifax Please look into this new complaint as soon as possible

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
They incorrectly reported my card as over the limit when they caused it to go over by adding interest and fees. 
The account was not over from a charge on the card and has never been over before. 
The closing statement was on XX/XX/2022 Before the closing statement I was under my limit. At the time of the closing statement on XX/XX/2022 they charged me an interest fee of XXXX which put me over the limit. Then they reported me as over the limit. According to Consumer Protection Act this is an illegal practice. I can not be reported as over the limit or charged a fee for over the limit because of any fees they impose that cause me to go over. I would like them to correct on my credit report the over the limit they reported and be fined for their practice of doing this. Who knows how many other people are getting their score dinged by them. Mine went down XXXX points because of this.

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 2022-08-23 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: TX

Complaint narrative:
I have been disputing this account for over a year now. XXXX XXXX XXXX XXXX has ignored my request to provide me with all documentation in their possession pertaining to this account. So I don't understand how the credit bureaus are constantly updating this account as verified when I am 100 % sure XXXX XXXX XXXX XXXX hasn't provided them with any proof of the account either. On top of that, I have not received any results from the credit bureaus from any of the investigations I have requested. Here are the dates for each dispute I have sent XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 for this year. So at this point its clear that the credit bureaus have not conducted a proper investigation for this account which is a violation of the FCRA. I want this account deleted ASAP.

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 2022-08-23 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: TX

Complaint narrative:
I have been disputing this account for over a year now. XXXX XXXX XXXX XXXX has ignored my request to provide me with all documentation in their possession pertaining to this account. So I don't understand how the credit bureaus are constantly updating this account as verified when I am 100 % sure XXXX XXXX XXXX XXXX hasn't provided them with any proof of the account either. On top of that, I have not received any results from the credit bureaus from any of the investigations I have requested. Here are the dates for each dispute I have sent XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22, XX/XX/22 for this year. So at this point its clear that the credit bureaus have not conducted a proper investigation for this account which is a violation of the FCRA. I want this account deleted ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: CO

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 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: CO

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

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

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

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

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-23 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: MI

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. 

* XXXX XXXX ACCOUNT # XXXX * XXXX XXXX XXXX # XXXX * XXXX XXXX XXXX # XXXX * XXXX XXXX XXXX # XXXX * XXXX XXXX XXXX # XXXX * XXXX XXXX XXXX XXXX ACCOUNT # XXXX * XXXX XXXX ACCOUNT XXXX XXXX XXXX XXXX XXXX XXXX  ACCOUNT # XXXX * XXXX ACCOUNT # XXXX * XXXX ACCOUNT # XXXX * XXXX XXXX XXXX  # XXXX * XXXX XXXX # XXXX * XXXX  ACCOUNT # XXXX * XXXX ACCOUNT # XXXX * XXXX XXXX XXXX ACCOUNT # XXXX * XXXX XXXX ACCOUNT # XXXX * XXXX XXXX  ACCOUNT # XXXX * XXXX ACCOUNT # XXXX * XXXX XXXX # XXXX THESE ( 19 ) ACCOUNTS 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 : also States a consumer reporting agency can not furnish an 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 2022-08-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Flagstar Bank, N.A.
State: SC

Complaint narrative:
Since XXXX, I have been on a COVID-19 forebearance through the Act. I was told that being on the plan as described on government and the loaner and websites that I would not face credit reporting or backlash for being on this plan up to 6 months. In XXXX the lender sold my mortgage to Flagstar bank. They call or send me letters every day Today they put a note on my front door to call them. Every time I call them, they tell me the same thing ( that I'm on a Covid forebearance, and that it is through XXXX, and I have to call in XXXX to extend it because I qualify ). They tell me I have 4 ways to handle things when the forebearance is done. They ask me ( every time ) why I suffered from Covid. This is all extremely harassing, down to a note to call them being placed on my front door today despite talking to them like 3 times in XXXX alone being told and asked the same things every time! When I was working with my former company, this did not occur. This is harassment and feels like it should go against the Covid mortgage forebearance 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 2022-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSWORLD SYSTEMS INC
State: CA

Complaint narrative:
Hello, So i have received a suspicious looking letter from a no return address hand written, claiming i have some unpaid parking tickets? on a rental vehicle I would have had over a year ago in a different state. 

I never got a ticket, or a statement from XXXX, my vehicle rental company or a message from the company that was renting the truck that an infraction had occured. The vehicle plate number seems correct, but that could be a XXXX thing, or Im miss remembering my info. 

I suspect its fraud also because the letter arrive today, XX/XX/XXXX, and it claims should I want to dispute I would have to have done so by XX/XX/2022. 

how do I ensure that it's not a legitimate error from a real collections company and not just an outright scam

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: ALLY FINANCIAL INC.
State: MD

Complaint narrative:
On XX/XX/XXXX, I deposited a check for {$5300.00} from a public adjuster in Maryland into a joint checking account using Ally 's mobile app. I saw on the website that the money had been deposited. On XX/XX/XXXX, I was reviewing recent transactions and noticed that these funds had been removed from our account on XX/XX/XXXX, and we were charged a fee. I assumed the check bounced, but the person who wrote the check confirmed it shouldn't have, so I called Ally. I sat on hold for 45 minutes and was put through to a loss prevention specialist. He said the check was being investigated, but rather than put a hold on that transaction, they locked our entire account down for up to 30 days. When asked how we were supposed to pay our bills, he said we should ask our friends to loan us money. He refused to give any information, such as a direct phone number or case number, so that we could follow up. We asked to speak to his supervisor, but he said that his supervisor XXXX had already left for the day but that we could leave a voice mail. We did, and it has now been an entire week without being able to access our funds or get in contact with anyone at Ally that can help us.

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 2022-08-23 00:00:00
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Received a loan you didn't apply for — 
Company: Lendmark Financial Services
State: VA

Complaint narrative:
XXXX and have XXXX XXXX XXXX and was forced to stay 2 hours away from home at the Lendmark office to sign the original merger of loans. I did not agree with it and attempted to leave and was followed and harassed and intimidated into coming back into the office after smoking a cigarette ( the loan officer never left me alone while I was outside ) and than upon being forced back inside I was bribed with " lendmark shwag '' ie, cups, pens, referral bonus cards, etc. by XXXX XXXX whom than continued to harass me about my identity and make remarks about me being XXXX. After leaving I had to seek additional XXXX and had an XXXX XXXX XXXX XXXX XXXX and I have lost all confidence in Lendmark being an honest lender. The other issue with the $ XXXX {$1100.00} cash funds were supposed to go towards a down payment on a new/new to me vehicle while trading the XXXX that was merged into the loan, however I was misled and once i recieved the funds I was repeatedly denied credit to get to the goal of the merging of loans. 
I refinanced again after the incident, because XXXX had informed me that a resolution would happen, but than a month went by and I made the first payment or two and refinanced to buy time for Lendmark and myself to comeup with whatever resolution XXXX was referring to. And to this day now I still have no resolution, I am denied credit everywhere ( due to this loan I was forced into signing and refinancing to buy time ). Also, as per the value of the vehicle, the vehicle was CLEARLY understood that it was in " ROUGH '' condition, however Lendmark failed to capture photos during the original loan merger and they only took a photo from more than 3 feet away ( which in auto industry is known as a method to hide dents/scratches/paint fade, etc. ), they also failed to look at the interior of the vehicle and never asked about mechanical ( there reason for not checking mechanical I was told by the loan officer was " as long as it drive to the office to be visibly sighted, it can be financed ''. While the actual XXXX XXXX XXXX value is {$1900.00} as of today XX/XX/XXXX and {$2900.00} at the time of the 1st refinance, and somewhere in between during the 2nd refinance that was done " to buy time to find a resolution '' So far the only offer from the Lendmark office is to pay {$2700.00} via the 10-day payoff letter the emailed and mailed on or around XX/XX/XXXX. 
This loan causes nothing but harm to myself and the issues meet many UDAAP violations on top of Virginia laws and statutes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-23 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
CFPB + Experian + XXXX XXXX XXXX, Attached to this complaint are : drivers license social security card address complaint letter stating this collection has not been validated to be mine screen shots of where it shows on Experian Please look into this new complaint as soon as possible

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