vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-08-11 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: SD

Complaint narrative:
Citi contacted me regarding suspicious charges on my Double Cash card. I responded to the first message by calling them and advised those were not my charges. They said they marked those and reissued my card with a different number. They then had me call them four more times for the same charges and issues. I was patient and advised those were fraudulent charges. However, they have not marked a foreign charge of {$10.00} to " XXXX XXXX XXXX... '' as fraud as I requested and my account has been charged a foreign transaction fee as well due to this charge, totaling {$0.00}. I also only received one replacement card and did not receive the card for my authorized user. This has been annoying, disjointed, and honestly a mess. After my account was flagged for fraud, purchases should have been unable to be made, any connection to the fraudulent XXXX  log in should have been removed ( wasn't removed till the 3rd call ), and they should be able to reissue cards correctly. I work in escalated complaints for another credit card company and these actions would be coachable and apology-worthy errors ; however, I am not being paid by Citi to deal with this, unlike my employer.

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 2023-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Westlake Services, LLC
State: IL

Complaint narrative:
I finance a vehicle from US auto sales located in XXXX XXXX. The company will sit down in XXXX and bought out by XXXX XXXX XXXX XXXX. Oh my credit report is still shows {$20000.00}. Ive had my car for almost 2 years. Ive gave XXXX auto over {$8000.00} in the first year and my interest looks like Ive only paid XXXX my car was recently repossessed because of nonpayment, but it was also recently stolen, and Westlake portfolio management had informed me they had no GPS information on my vehicle when it was stolen US auto sales had a Killswitch on my engine. Any time I did not make a payment. My vehicle was totaled. I have a XXXX so its very popular right now for being stolen after I find my vehicle and pay for it to get out of the cities pound my car was repossessed, how Im not sure because I was not even in the state of Georgia so I believe I was lied to you about the GPS location as well as how much interest I have on this vehicle when I look at my payoff letter at XXXX portfolio shows I payed nothing after they bought the loan

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 2023-08-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I receved an alert that my checking account was overdrawn while I was on vacation. I immedietly looked at the account and noticed what appeard to be a fraudulent ACH withdraw for {$4400.00}. I immedietly notified my Local PNC bank branch and spoke to the managent team who put a hold on my account. At the time the account had less then {$1700.00} in it and the account was overdrawn. I was told I would need to come in to the bank and sign paperwork in person. I was in XXXX  ( I live in XXXX XXXX ) so I did so the following Monday. During that week my business had some receivables come into the account which eventually corrected the negative balance. I opened a new account at that time and was told PNC would be investigating. PNC closed investigation in a couple of days due to the fact I did not report it within 24 hours. I esculated the complaint and received the same response a few weeks later. They said that I could not get my funds back and I was out of luck. Additionally they closed my account and removed my online banking access. When I asked why they would do that and how was I supposed to conduct my accounting without access to the account, they stated it was closed due to " excessive Overdraft ''. PNC Bank has done nothing to assist me at this point. Not only did I lose the money I had in the account, I lost about {$2800.00} more since the ACH transaction was far more than what was in the account. PNC Bank should have never authorized an ACH payment where funds were not available. Additionally I notified PNC bank withing 24 hours of the alert I received, which was apparently past 24 hours of the ACH. I feel PNC bank has the resposnibility for the saftey of my funds. Had I had the money under my bed and a burglar stole it, I would only be out {$1600.00}. Instead I lost money that I did not even have yet simply because I have a checking account. 

Additionally I opened an investigation with the New Jersey State Police Cyber Crimes unit to attempt to get some resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Lender trying to repossess or disable the vehicle
Company: American Credit Acceptance, LLC
State: DC

Complaint narrative:
My car was repossessed XX/XX/XXXX. I was not notified by American Credit Acceptance as required by law of a repossession. On the morning of the repossession, I was told that I was notified and I wasn't notified at all. In addition, I inquired as to the location of the auto and was told that I could not find out because they don't want me to know where the car is. 

I received a letter in late XXXX from American Credit Acceptance that the car was in Washington DC. On XX/XX/XXXX, the vehicle was transferred to XXXX, VA ( XXXX miles away ) to be placed for auction. I was unaware that this was going to happen. I found out on XX/XX/XXXX, that my XXXX XXXX XXXX had been moved to an auction lot. American Credit Acceptance has cause a lot of unnecessary trouble. 

Now, in addition to having to go without my vehicle, AMERICAN CREDIT ACCEPTANCE has reported to XXXX, XXXX AND XXXX that the account is CLOSED and that I have a " foreclosure ''. My account is open and I have a payment arrangement to get my car back, although it is an overpriced arrangement. 

Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: Bright Capital Inc
State: PA

Complaint narrative:
Bright money has been withdrawing round up funds from my bank account when there are not enough funds in the account to do so. When you sign up for bright money, if your bank account is below XXXX dollars they stop the rounds up and stop withdrawing. This has not been the case for me. My account was overdrawn and continues to be overdrawn. I ended up having over XXXX dollars in overdraft fees from just bright money. I had emailed them XX/XX/XXXX requesting them to stop and help resolve the matter with no response. I emailed again on the XXXX and the XXXX when they continued to do so. I was unable to remove my bank account from their app or website. I was eventually able to turn off the round ups and it confirmed that they would not pull funds. Fast forward XX/XX/XXXX and more funds came out of my overdrawn account causing XXXX dollars of overdraft fees. This company isnt saving me money like they claim, they are costing me. I send yet another email once I saw the funds came out. I have yet to have a response back from the company and its been 10 days. When you try to call nobody ever answers and you can not leave a voicemail. They promise someone will respond within XXXX hours of an email but that is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: 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 : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXXT Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX Account Name : DEPTEDXXXXT Account Number : XXXX Account Name : DEPTEDXXXX Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: KY

Complaint narrative:
On XX/XX/XXXX, i received an email from Paypal that I could no longer use Paypal. I copied the email and pasted at bottom of this message. 

I probably use paypal 1-2x a month to buy a gift card on Paypals gift card website. Or maybe use it at an online retailer here and there. I receive small transfers from friends, family, and an occasional small rebate check here and there. There is nothing abnormal or suspicious about my account. And there is no reason at all for my account to be restricted. Paypal representative simply said there are no appeals and that he couldn't give me any information. Meanwhile, they are holding {$1000.00} for 180 days ( starting XX/XX/XXXX ). This is completely irrational and has to be a mistake on Paypals end. When i hear/read of things like this happening to people, I always assume there is a big missing piece of information that people are leaving out. That is not the case hear, and paypal is just simply shutting my account down, holding my money for 180 days for no reason and will not provide any reason. I understand digital apps are different than banksbut i honestly dont know how this legal/permitted Ref ID - XXXX You can no longer use PayPal After a recent review of your activity, weve permanently limited your account in order to protect PayPal and the security and integrity of the network of buyers and sellers that use PayPal services. This is permitted under the PayPal User Agreement sections titled Prohibited Activities and Restricted Activities, Holds, and Other Actions We May Take. Going forward, you wont be able to use PayPal to send and receive money or shop online. 
Per the User Agreement, when PayPal permanently limits an account, any money in that account is held up to 180 days. Money in your balance can be used to satisfy your obligations under the User Agreement. After 180 days, if applicable, we'll email you with information on how to withdraw any remaining money from your PayPal account. 
Note that should any chargebacks, PayPal Purchase Protection claims, or other reversals result in your account balance falling below XXXX, then you will also need to settle the amount owed to PayPal to avoid further action. 
Customers whose accounts are permanently limited are not permitted to use PayPal service and are not permitted to open new or additional PayPal accounts. 
You can find the complete PayPal User Agreement by clicking Legal at the bottom of any PayPal page.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I have a fraudulent account on my credit report, which I reported it to XXXX, XXXX XXXX  XXXX and XXXX XXXX XXXX  yet they are not removing these fraudulent accounts. They have no right to refuse to remove this fraudulent account because I am a victim of identity theft and I have filed a valid police report. According to FCRA 605B ( 15 U.S.C. 1681C-2 ) consumer reporting agencies and creditor shall block the reporting of any information resulting from identity theft no later than 4 business days after date of receipt, yet they have refused to do this. The followings are the fraudulent accounts : XXXXXXXX XXXX / XXXX, XXXX XXXX  XXXX XXXX XXXX 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 explanation
Consumer complaint received 2023-08-11 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: 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 : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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:
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 : XXXX  XXXX Bankruptcy Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX Account Name : Untitled Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 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: NY

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 : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-11 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:
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 : XXXX  Account Number : XXXX Account Name : XXXX XXXX  XXXX Account Number : XXXX Account Name : XXXX  XXXX Account Number : XXXX Account Name : XXXX  Account Number : XXXX has violated my rights. Or list of inquiries 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-08-11 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: GA

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

I mailed in and disputed online XX/XX/XXXX. XXXX  with Experian and XXXX to reinvestigate the following account : Account name : XXXX XXXX XXXX Account # : XXXX However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. 

According to 15 USC 1681i ( 5 ) they are suppose to modify accounts that isn't reporting correctly.

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

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

15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years. 

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Upon viewing my most recent consumer report, I saw bankruptcies that shouldn't be shown there.. And since I studied laws lately, I found out that you violated 15 U.S Code 1681 a ( 4 ) Consumer Right to privacy. Consumer Right to Privacy These Bankruptcies claims that it shouldn't be on my credit report and that you released my personal information without my consent.This is unacceptable! Im a victim of identity theft, you are criminally and CIVILLY LIABLE. If this complaint is not handled accordingly, I swear that I will seek legal action against you guys!

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