vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-07-28 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: CITIBANK, N.A.
State: WV

Complaint narrative:
on XX/XX/XXXX I reported fraudulent charges to my Citicards credit card account from XXXX which showed up on my account in the following charges : XX/XX/XXXX XXXX for {$1.00} XX/XX/XXXX XXXX for {$39.00} The citibank representative closed the account as a stolen credit card and reissued a new card however, Citibank transferred these charges to the new account. 
I have called the company and spoken with representative from customer service-fraud departments-security departments and collections departments, communicated through Citibank 's chat service with representatives, sent a letter certified/return receipt with evidence of the communications and that the charges were fraudulent as shown by XXXX only to have Citibank refuse to take the charges off, tried faxing the information over 7 times to a fax number given by Citibank which does not go through ; Citibank is assessing late fees and interest on these fraudulent charges and sent delinquent status to the credit bureaus. I have documentation of all of my efforts to correct this with Citibank. 

This has been going on since XX/XX/XXXX and Citibank refuses to correct it and is harming my credit report and rating even though they have a 100 % fraud guarantee that the consumer does not pay fraudulent charges or interest and penalties. I reported the charges the day they came through on the account and Citibank refuses to correct it. I contacted XXXX and had them investigate this charge which they found was indeed fraudulent and was made on a credit card number which had already been closed by Citibank at the time the perpetrator entered it on XX/XX/XXXX. So, Citibank allowed a fraudulent charge to go through on a closed account from the start. XXXX refunded Citibank for the charges made and gave me the account, address and IP address of the perpetrator and still Citibank refuses to clear the late charges and fees. The only balance on this card account is the late fees and interest which Citibank is charging on a fraudulent charge which was reported to them back in XX/XX/XXXX. 

I have tried every avenue possible to contact Citibank who refuses to correct it.

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 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
AFTER EVERY PAYMENT MADE, CITI CREDIT CARD LOWERS THE CREDIT LIMIT SO THE CARD IS ALWAYS SHOWING AS MAXED OUT. RECENTLY MADE A PAYMENT OF {$500.00} WHICH WAS 1/3 OF THE TOTAL BALANCE TO HAVE THEM AGAIN LOWER THE CREDIT LIMIT SO THE CARD IS AGAIN SHOWING AS MAXED AND IS REFLECTING NEGITIVILY ON MY CREDIT REPORT AS A RESULT

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 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
accounts showing up that was included in bankruptcy. included in bankruptcy. Accordingly, pursuant to the Fair Credit Reporting Act, please investigate and correct this inaccurate information. i demand this is deleted from my report immediately for violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy

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 2021-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: CREDIT ACCEPTANCE CORPORATION
State: MD

Complaint narrative:
Credit Acceptance has been violating my consumer rights under Federal law 15 US Code 1692.

They have called my phone more than 10 times, I have asked them to stop and they even tried to make me pay over the phone. They have tried to make me pay an alleged debt with multiple letter and not verifying the debt is mine. Also, I let them know that the character amount is in the positive and I can not pay something that is positive.

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 2021-07-27 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: National Credit Adjusters, LLC
State: MO

Complaint narrative:
I have made several attempts, to National Credit Adjuster to have there agency to Delete from all 3 Credit Reports. On XX/XX/2021, I received a letter from XXXX, stating that they had Deleted National Credit Adjuster off my Credit Report. Come to find out that NCA continues to report to XXXX on the XXXX and The XXXX of the month, That's FRAUD! When speaking to someone there, they first reported that they report to XXXX, not XXXX not XXXX. Next thing I Know, All three are reported. NCA, also said that It's up to the Credit Bureau to delete not NCA, because of there Policy. I emailed the CEO XXXX XXXX many times he never contacted me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
My reports of id theft are near i possible to report to these to credit reporting companies who report the same information over and over again already disputed and I am at a loss what to do. XXXX wants proof of ID well then see attached. Why put up so many roadblocks since we are ongoing victims of id theft and should be granted our rights under the law

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 2021-07-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA

Complaint narrative:
On XX/XX/XXXX, I received a letter from Bank of America with a modification approval attached to it. At the beginning of the pandemic, I had 15 or so years remaining before I owned my house. I currently owe {$110000.00}. My payments is {$950.00} per month. Bank of America is ripping people off. My new offer is {$570.00} for 480 month.They did not offer an interest rate change. Their offer extends my years which makes me more economically challenged, and prevents me from building wealth. How is this okay? They received a bailout in XXXX and I'm sure that they've received assistance from CARES and ARPA, so they know what " help '' looks like. They should not be considered to big to fail when they are failing everyday people. This is unacceptable.

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 2021-07-27 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: NC

Complaint narrative:
Good afternoon my name is XXXX XXXX On XX/XX/2021, I sent a letter regarding inaccurate and unknown information on my credit report. It has been over 45 days and I have not received a response to my disputes and I feel as though Im being ignored, and my issues are being promptly resolved. Section 611 ( a ), it plainly states that a failure to investigate these items within 30 days gives a reason to immediately remove the items from my credit report and it has been over 60 days so they should be deleted promptly. I demand these accounts be removed or I will be forced to seek litigation. My information was also impacted by the Equifax breach and the target breach and may have gotten into the hands of the wrong people. Inaccuracies on my credit report have cost me thousands this year and can not be ignored in this manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: DC

Complaint narrative:
These accounts, I feel, are having a negative impact on my credit score and costing me thousands of dollars in interest each year. This is not a regular dispute ; in addition, I have filed a complaint with the Federal Trade Commission and the XXXX XXXX XXXX since I am not aware of any of these accounts. I need this problem resolved as soon as possible ; I will not wait another 50 days for no response because you are clearly ignoring me. I demand that these accounts be removed immediately, or I will file for litigation as a result of the anxiety you have caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I paid for a rental from a XXXX listing https : XXXX. I signed a rental agreement and sent the money via XXXX. The total was {$1100.00} which I sent in two payments by request. {$700.00} for the security deposit, {$450.00} for the house rental. The money was sent on XX/XX/21 to XXXX. 
When my family arrived at the listing, the house was occupied by it's owner who claimed to know nothing about the rental agreement. 
All correspondence was done with a person going by the name XXXX XXXX XXXX. His phone number is XXXX, email XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28 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: Stenger & Stenger, P.C
State: TN

Complaint narrative:
The debt collectors by the name of XXXX XXXX XXXX ( " XXXX '' ) and XXXX XXXX XXXX who falsely identify as Attorneys which violates 15 U.S.C. 1692e ( 3 ) took legal action against me twice for the same debt that has been illegally sold numerous times for a consumer credit transaction that I initiated for a credit card on issued by XXXX XXXX for a XXXX XXXX retail card. I am the original creditor for the consumer credit transaction. Credit sales took place without my consent which constitutes unauthorized use pursuant 15 U.S.C. 1602 ( p ), " use of a credit card by a person other than the cardholder who does not have actual, implied, or apparent authority for such use and from which the cardholder receives no benefit ''. The attorneys received compensation which is a violation of 15 U.S.C. 1692e ( 2 ) ( B ). XXXX XXXX furnished me with deceptive forms under the guise they were offering me something of substance and value and created the false belief that I was indebted to them which violates 15 U.S.C. 1692j ( a ). I did not give XXXX XXXX my direct consent to share my private identifying information with anyone. That includes selling it for profit to other debt collectors including Absolute Resolutions who hired debt collectors XXXX and XXXX to take legal action against me twice which violates 15 U.S.C. 1692i ( b ), " Nothing in this subchapter shall be construed to authorize the bringing of legal actions by debt collectors ''. XXXX  XXXX and XXXX XXXX also did not have the permission from a court of competent jurisdiction or direct consent from me to communicate with XXXX or XXXX and make my private identifying information public. This was all done for monetary gain and greed. XXXX took legal action against me by filing a lawsuit against me. This resulted in me being subjected to a default judgment against me and my wages were garnished. My private identifying information for my former name appears on a court dockets which violates 15 U.S. Code 1692d ( 3 ), " The publication of a list of consumers who allegedly refuse to pay debts ''. This is very stressful and upsetting that my consumer rights are being violated in relation to my own credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
I am unable to remove temporary freeze on my Equifax account. I called them up. After much difficulty i could get to an agent. They asked me to send the SSN, DRIVING LICENSE, and my home lease documents by mail. I sent it to them and for more than a month i received no response. I followed up with them and they asked me to fax it. I faxed on XX/XX/XXXX, XXXX i called them up again on XX/XX/XXXX. They say they are waiting for my document. Now they ask me to mail the same documents again. The help desk person keeps saying that there is a document required. However we dont get any further help. In spite of sending by mail and by faxing as needed, its scary that they cant find my documents. I am unable to apply for any of my other loans or needs because of this delay. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
accounts showing up that was included in bankruptcy. included in bankruptcy. Accordingly, pursuant to the Fair Credit Reporting Act, please investigate and correct this inaccurate information. i demand this is deleted from my report immediately for violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy

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 2021-07-27 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
accounts showing up that was included in bankruptcy. included in bankruptcy. Accordingly, pursuant to the Fair Credit Reporting Act, please investigate and correct this inaccurate information. i demand this is deleted from my report immediately for violation of FCRA 15 U.S. Code 1681i - Procedure in case of disputed accuracy

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: National Credit Systems,Inc.
State: CT

Complaint narrative:
Hi NATIONAL CREDIT SYSTEM ( Original Creditor : XXXX XXXX XXXX XXXX ) XXXX ; Im confused and stressed and shocked when I reviewed my credit report this week and I found multiple inaccuracies on my credit report from the 3 major credit bureaus from a collection company that I never have dealt with before. I've attempted several times to ratify the issue with the original creditors and credit bureaus and they still reporting inaccurate, unverifiable information. I have disputed this item with the credit reporting agency and they reported you confirmed the account as valid. I honestly do not believe to ever have any relationship with this collection agency or original creditor. Also there are several inaccuracies with this account the way it's reporting and that's a total violation of FCRA and FDCPA laws and regulations. In a good faith effort to resolve the matter amicably, I must demand proof of this debt, specifically the alleged contract or other instrument bearing my signature, as well as proof of your authority in this matter. Absent such proof, you must correct any erroneous reports of this past debt as mine. I am writing to request that you please provide the following information : 1. Please evidence your authorization under 15 USC 1692 ( e ) and 15 USC 1692 ( f ) in this alleged matter. 2. What is your authorization of law for your collection of information? 3. What is your authorization of law for your collection of this alleged debt? 4. Please evidence your authorization to do business or operate in this state. 5. Please evidence proof of the alleged debt, including the alleged contract or other instrument bearing my signature. 6. Please provide a complete account history, including any charges added for collection activity. 
You have 30 days upon receipt of this letter to provide strict proof of contract. In the event you can not provide strict proof of contract, you must cease and desist any and all collection efforts and immediately remove any derogatory information reported to the consumer reporting agencies. In addition, you will need to provide me your agreement, in writing, that you are closing your file, ceasing collecting activity, and deleting all information related to this reference number from any and all credit reports youve furnished the information to. In the event you transfer this account to an attorney without providing proof of contract, and proving your claim, he/she will be immediate reported to the XXXX XXXX XXXX and XXXX XXXX XXXX for code of ethics violations.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 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: EQUIFAX, INC.
State: TX

Complaint narrative:
These accounts do no belong to me. Please block and remove according to 15 USC 1681c-2.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
I entered into a consumer credit transaction with capital one a few months ago after receiving a pre approval card in the mail. They are now sending deceptive forms according to 15 U.S. Code 1692 j. I have asked for the return of monies paid to them Pursuant to 15 U.S. Code 1692 h. I do not owe such alleged debt as I am a federally protected consumer. Their statements are false alleging I owe on something when i simply entered into a consumer credit transaction with Capital One using my credit card, which means any card, plate, coupon book or other credit device existing for the purpose of obtaining money, property, labor, or services on credit, pursuant to 15 U.S. Code 1602 ( L ). So if i purchased this service on credit, I do not understand why they are alleging I owe such debt. When pursuant to 15 U.S. Code 1692 a ( 5 ) debt means any obligation or alleged obligation of a consumer to pay money arsing out of a transaction in which the money, property, insurance or services which are the subject of the transaction are primarily for personal, family, or household purposes ... Being that I am the consumer, the natural person pursuant to 15 U.S. Code 1692 a ( 3 ) which explains that the term consumer means any natural person obligated or allegedly obligated to pay any debt.I didn't obtain a " loan '' I simply entered into a consumer credit transaction with Capital One. I am not looking for any monetary compensation, i would simply like to keep my unlimited credit open until I the consumer decide to terminate services with Capital One. I also would like for them to stop reporting to any consumer reporting agency as I did not give any written permission for them to share my information with a 3rd party. Its an infringement upon my privacy as a consumer. I have sent 2 Affidavits of truth certified return receipt as well. I do not validate the alleged debt. Capital one ran my " credit '' received the credit and they want me to pay something back.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-27 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: U.S. BANCORP
State: CA

Complaint narrative:
I signed up for automatic payments when I first leased my XXXX XXXX in XX/XX/XXXX. In XXXX, US Bank informed me that I was past due. I attempted to access my online account and was unable to do so. On or about XX/XX/XXXX, I reset my automatic payments and the my US Bank online banking account to make automatic payments. Instead of automatic payments when due, US Bank drew payments for 6 additional months to XX/XX/XXXX. I figured that it was a glitch in the system. But, since I was paid up to XX/XX/XXXX, I let it slide. Notwithstanding US Bank 's error, US Bank reported me past due credit reporting agencies on XX/XX/XXXX, and refused to correct their errors. I was informed by XXXX yesterday that my FICO was downgraded. Immediately prior to this my score was XXXX. 

Today, I received an online solicitation from US Bank for bill pay. I attempted to access my account and was unable to do so. The US Bank computer automatically transferred me to a system to answer questions. But, the system did not provide any questions for me to answer. Since there were no security questions for me to answer, my password was locked. After talking to two different individuals, my password was unlocked ; and, I was allowed to change my password and establish security questions. US Bank 's online system is frustrating. I was a XXXX XXXX for the XXXX  ; and a XXXX XXXX for 44 years. If I can't figure out US Bank 's online banking, I would imagine many other people have problems with US Bank 's systems. I have experience with several bank online systems, US Bank 's is the worst of them so far.

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 2021-07-27 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: TX

Complaint narrative:
These accounts do no belong to me. Please block and remove according to 15 USC 1681c-2.

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