vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: TRUIST FINANCIAL CORPORATION
State: FL

Complaint narrative:
XX/XX/XXXX we deposited the amount of {$9000.00}. XX/XX/XXXX I scheduled a CC payment to be made on XX/XX/XXXX. XX/XX/XXXX the CC payment went into Processing along with the hold that was then made on our account for the amount of {$8900.00} for 10 days. We have several automatic payments that go out each month and this notice was not enough time to stop any payments. Over the next few days, our account began to fall into a negative balance, and over 8 fees from XX/XX/XXXX to XX/XX/XXXX incurred {$250.00} in overdraft fees and one returned item fee from the CC payment for {$36.00} totaling {$280.00} in fees to our account. 

After being stonewalled by staff at our local branch they told me the fees could be returned. Unfortunately, that was a lie. I have spent hours on the phone talking to people who can not actually help and this bank uses their own proprietary system for deciding who gets their fees back and who does not. This whole system they have seems like their own made-up system for stonewalling clients and holding onto fees. This banks protocols are designed to keep their clients at bay, waste client time, and keep large amounts of fees. 

This entire debacle could have been solved with 2 phone calls. One phone call to me to ask " if this deposit was legitimate '' and that they were going to check with the other bank and then one phone call to our customer bank to make sure the check was legitimate. 


Our account does not have a regular history of being overdrafted. yet this bank treats me like I'm a horrible client they don't want. this year they have drafted {$610.00} in over-draft fees for petty negative balances of just a few dollars that were never extended negative balances. But I'm not even asking for all of it back. I was only asking for the {$280.00} fees that were incurred during the long period of hold on our funds. 

I've been more than reasonable and they refuse to give me back my money! I have a written message from this bank stating they WILL return any fees incurred due to the hold but they haven't.

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 2024-07-13 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Confusing or missing disclosures
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
In XXXX / XX/XX/XXXX, I received a promotional flyer from Citibank and it was advertising that account holders opens Citi checking account, deposits new to Citi funds and holds the balance for a certain period of time, says 60 days or 90 days, account holders would receive a cash bonus of {$500.00} if the balance maintain a {$30000.00} or above. 

I did call the Citibank hotline to confirm before opening the checking account, I was told I would be qualified for a cash bonus. Hence, I opened a new checking account on XX/XX/XXXX and funded more than {$30000.00} subsequently. 

In XXXX / XX/XX/XXXX, I called the hotline again and confirmed with the Citibank staff I should be qualified for the cash bonus of {$500.00} if I moved the fund out from the newly opened checking account. I was told that the cash bonus of {$500.00} would be deposited to me in XX/XX/XXXX. Until XX/XX/XXXX, I called again to follow up the cash bonus of {$500.00} payout status and submitted a dispute case XXXX. However, I didnt receive any update / cash bonus {$500.00} from Citibank until now XX/XX/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 2024-07-13 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: S.B.S. Trust Deed Network
State: CA

Complaint narrative:
I received letter dated XX/XX/year>, from " S.B.S Lien Services '' demanding delinquent assessments through XX/XX/year> in the amount of {$2100.00} for " XXXX XXXX XXXX XXXX '' which I belong to. 
I informed the " S.B.S Lien Services '' in writing, phone call and email that this number is incorrect and requested current, detailed and accurate statement. On XX/XX/year>, I was provided with detailed notice for amount of {$2000.00} which again included non-delinquent and incorrect charges, and I attempted to dispute them. 
Specifically, the non-delinquent amount was for monthly assessment of {$420.00} which was already paid on XX/XX/year> ( with proof attached ). 
Secondly, I asked for explanation and proof of assessment item with amount of {$380.00} since there was never any Assessment in this amount in our HOA, which I never received it. 
The only correct delinquent Assessments included in the statement are XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: Fay Servicing, LLC
State: NJ

Complaint narrative:
This complaint is in response to Fay Servicing 's response for a previous CFPB complaint # XXXX. In Fay Servicing 's response, they stated they would not use my worker 's compensation and XXXX income for Loss Mitigation because they are temporary. Yet, this income was used to approve a trial modification in XX/XX/XXXX. There is no way to know how long my injury will persist, yet Fay Servicing is offering no other option than to foreclose on my home. There have to be multiple borrowers who have a hardship such as medical, who are not foreclosed on as a result. 

Fay Servicing also stated my loan was an FHA loan from XXXX until XXXX, when it was sold to another creditor. The selling of the loan and/or its servicing rights does not change it from an FHA loan XXXX a conventional loan. Fay Servicing seems to think that was a normal occurrence, rather than locate the error and correct it so the loan can be serviced correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
XX/XX/year>, I looked at my report. I sent a letter to XXXX on XX/XX/XXXX asking them to reinvestiagate these accounts ; XXXX  XXXX XXXX # XXXX, XXXX # XXXX, XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX  # XXXX I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case Sent from my 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 2024-07-13 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: World Acceptance Corporation
State: MS

Complaint narrative:
I received an email XX/XX/year>, that they have an account pertaining to me. Received a letter back in XXXX showing the contract I had with the original company.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
I refuse to pay {$720.00}. I first became aware of this debt when I received a collection report on XXXX XXXX. I am no longer responsible for this debt and XXXX XXXX XXXX  was aware many times that I could not afford to pay the original payments due to unemployment and unforeseen circumstances such as part-time jobs only. Also, I spoke to them about a payment agreement many times before and I was able to pay it off for what I could afford. So, I do not recall where this {$720.00} is coming from since I also have not used the card in over a year. This company has harassed me on multiple occasions. They will blow up my phone all hours before XXXX XXXX  and after XXXX midnight and throughout the day. They would also send various emails and call me from different spam numbers when I would block the original number, and they would call from different parts of the world. I refuse to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 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: FC HoldCo LLC
State: GA

Complaint narrative:
Please provide my original signature and other documents so I can review them and see if these accounts are mine.

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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
XX/XX/year>, I looked at my report. I sent a letter to XXXX on XX/XX/XXXX asking them to reinvestiagate these accounts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. 

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

XXXX really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case Sent from my XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
XX/XX/year>, I looked at my report. I sent a letter to experian on XX/XX/XXXX asking them to reinvestiagate these accounts ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I looked at my report and noticed everything is still the same.. and according to 15 USC 1681i 5 they are suppose to do this ( 5 ) Treatment of inaccurate or unverifiable information ( A ) In general If, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall ( i ) promptly delete that item of information from the file of the consumer, or modify that item of information, as appropriate, based on the results of the reinvestigation ; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer.

and according to 15 USC 1681eb they are supposed to ensure this ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 

and according to 15 USC 1681s-2 this is suppose to happen ( b ) Accuracy of report Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates.

Experian really did not reinvestigation they lied on an offical document saying they did something they did not do and I have evidence to prove my case Sent from my 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 2024-07-13 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: FIRST TECHNOLOGY FEDERAL CREDIT UNION
State: NC

Complaint narrative:
I am writing to formally lodge a complaint against Digital Federal Credit Union ( DCU ) for furnishing information to credit reporting agencies without my consent. I believe this action is in violation of my rights under the Fair Credit Reporting Act ( FCRA ), specifically under 15 U.S.C. 6802 ( b ).

Recently, I discovered that DCU has furnished my personal and financial information to the credit reporting agencies without obtaining my consent. This unauthorized sharing of information has negatively impacted my credit report and privacy.

Relevant Law : 15 U.S.C. 6802 ( b ) : " Opt-out '' Requirements : This section of the FCRA requires financial institutions to provide customers with an opportunity to opt out of the sharing of their information with non-affiliated third parties. DCU did not provide me with this opportunity, nor did I give any consent for my information to be shared.

DCU has shared my personal and financial information with credit reporting agencies without my explicit consent, violating 15 U.S.C. 6802 ( b ).

Lack of Opt-Out Opportunity : I was not given the required opportunity to opt out of having my information shared with non-affiliated third parties.

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 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
On XX/XX/XXXX I requested XXXX and Equifax to properly conduct an investigation on a XXXX XXXX XXXX account reporting on my credit. XXXX and Equifax are claiming that this account is Verified. This account has not been properly " verified '' without sending me a copy of my HIPAA authorization form.

This account in question is a MEDICAL ACCOUNT, that is protected under the Health Insurance Portability and Accountability Act of 1996 Section 1173. By improperly verifying this account, XXXX and Equifax are compliant in violating my rights and will be held accountable if legal action does persist. 

ADDITIONALLY According to XXXX XXXX XXXX XXXX, XXXX and Equifax are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 

Sequoia Financial SVCS has been reporting inconsistent balances across bureaus : XXXX Removed for inaccuracy XXXX XXXXXXXX {$6000.00} XXXX XXXX- {$5900.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Sequoia Financial Services
State: CA

Complaint narrative:
On XX/XX/XXXX I requested XXXX and XXXX to properly conduct an investigation on a Sequoia Financial SVCS account reporting on my credit. XXXX and XXXX are claiming that this account is Verified. This account has not been properly " verified '' without sending me a copy of my HIPAA authorization form. 

This account in question is a MEDICAL ACCOUNT, that is protected under the Health Insurance Portability and Accountability Act of 1996 Section 1173. By improperly verifying this account, XXXX and XXXX are compliant in violating my rights and will be held accountable if legal action does persist. 

ADDITIONALLY According to XXXX XXXX XXXX XXXX, XXXX and XXXX are supposed to ensure MAXIMUM POSSIBLE ACCURACY. This account violates these laws : 15 USC 1681i, 15 USC 1681s-2. 15 USC 1681i ( 5 ), 15 USC 1681e ( b ). 

Sequoia Financial SVCS has been reporting inconsistent balances across bureaus : XXXX Removed for inaccuracy XXXX XXXXXXXX {$6000.00} XXXX XXXX {$5900.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-07-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: SC

Complaint narrative:
Consumer Name : ( XXXX XXXX ), Consumer Social Security Number : ( XXXX ), Consumer Date of Birth : ( XX/XX/XXXX ), Contents of Complaint : This CFPB complaint has been filed to request pursuant to FCRA 605B ( 15 U.S.C. 1681c-2 ) that you, the TRANSUNION credit reporting agency , block information appearing on my consumer credit report that is the result of identity theft and fraud within 4 business days of you receiving this complaint. This fraudulent, inaccurate, and false information consists of addresses that I have never lived at before. 

These addresses were used to open accounts in my name : XXXX XXXX XXXXXXXX XXXX, XXXX XXXX XXXX  XXXX, XXXX These are the accounts in my name that stems from the identity theft : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX A copy of an FTC report listing the ACCOUNTS opened in my name is enclosed. My consumer FICO credit report now contains multiple fake addresses as a result of these accounts. A copy of your consumer FICO credit report, which includes the aforementioned bogus addresses. The aforementioned addresses, as reported, are unfamiliar to me. I never began using the aforementioned addresses that are listed on my consumer credit record that you maintain. The addresses listed above are all the product of fraud and identity theft. I've included a copy of the FTC Identity Theft Criminal Complaint # ( XXXX ) as official documentation from the US Federal Trade Commission demonstrating that the addresses listed above are all the product of fraud and identity theft.

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 2024-07-13 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 please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

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 2024-07-13 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I am writing to please delete the following information from my file. the items i needed are listed in the reported, i am a victim of identity theft and i did not make the charge. i ask the items be deleted to correct my credit report. I reported the theft of my identity to the federal trade commission and also have enclosed copies of the federal trade commision affidavit please deleted the items as soon as posible

Company response to consumer: Closed with explanation