vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I have Citibank XXXX XXXX XXXX Credit Card. They have been advertising a flex payment option on large purchases. Last month I made XXXX airline ticket purchases of $ XXXX. I enrolled in Flex pay plan for these amounts for XXXX  months with a 1.99 % APR. My plan was to pay these purchases via the monthly payment plan. But pay off any other purchases in full every month. 

I am enrolled in Autopay and I went ahead and selected an option that said " Adjusted New Balance + Flex Plan Monthly Payment - Additional information expanded This includes your monthly Flex Plan Payment Amount and the non-Flex Plan portion of your last statement balance. It does not include Flex Plan payments due in future months. '' It clearly states that this option means that every month it will deduct my monthly flex payment plan plus any " non-flex portion of my statement balance ''. But this month, they deducted the entire amount including the the purchases on the flex payment plan. I had not budgeted for such a large amount to be deducted from my checking because I was thinking only the flex payment installment plus other balances would be deducted. 

I called Citibank and they said they can deduct the monthly payment and refund the rest of the amount. But I asked them why this happened? They forwarded my call to another department and they explained that the only way I can make sure that this wont happen again is to select the " minimum payment '' option. But I told them, I dont want to make only the minimum payment because I dont want to pay interest on the other purchases. Moreover, they have the option under the Autopay for " Adjusted New Balance + Flex Plan Monthly Payment ''. But they told me that this option does not work and only minimum payment will work. 

I believe this is unfair business practice. They are advertising the flex plan installment payment option, giving us an option to make a flex installment plan+other balances, but then that option doesn't work and instead forces us to make a minimum payment. 

Thank 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 non-monetary relief
Consumer complaint received 2023-04-05 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
There is a debt/charge-off still reporting on my consumer report where XXXX XXXX, XXXX XXXX had agreed to dismiss debt in the court as of XX/XX/2022. This debt/charge-off should not be on my consumer report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — Gift card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: MD

Complaint narrative:
Card was given to us as a gift in XX/XX/. It looks like it was purchased on XXXX at XXXX. Card was somehow stolen and used at a Tattoo shop in XXXX of XXXX - nowhere near where we live. It was a {$50.00} gift card and the balance is now {$0.00}. 

I tried to called the customer service number multiple times at XXXX ( servicer InComm Financial Services ) and they never picked up.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Check cashing service
Issue: Confusing or misleading advertising or marketing — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
RE : Unfair, Deceptive, or Abusive Acts or Practices ( UDAAPs ) Compliant against Bank of America We received a misleading letter from Bank of America on XX/XX/2023. Bank of America has engaged in Unfair practices by allowing Bank of America bank branches located in middle- and upper-income census tracts in majority white neighborhoods to stay open to serve their community. 

Example : XXXX XXXX XXXX, XXXX, TX XXXX ; Monday to Friday XXXX to XXXX and Saturday XXXX to XXXX ; Located in an upper income census tract ; XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; Monday to Friday XXXX XXXX XXXX and Saturday XXXX to XXXX ; Located in a moderate-income census tract ; XXXXt : XXXX XXXX XXXX XXXX XXXX, XXXX, TX XXXX ; Monday to Friday XXXX to XXXX and Saturday Closed ; Located in a low-income census tract ; XXXX  : XXXX Conclusion We appreciate this opportunity to file this complaint against Bank of America and would look forward to discussing a plan for Southern XXXX and be a leader in addressing inequality in 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 2023-04-05 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: SC

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 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, 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 : 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 2023-04-05 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: CA

Complaint narrative:
On XXXX, I submitted a request to block items on my consumer report as I am a victim of identity theft. This was not a dispute, however, the FCRA has chosen to forgo Federal regulation and apply their company policy to treat this as a dispute. In fact, when I called them, they stated that their policy supersedes Federal law ( which states ) ( a ) Block A consumer reporting agency should block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date receipt by such agency of- ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report, ( 3 ) the identification of such information by the consumer, and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer. I submitted proof that my social security number, fingerprints, birthdate, addresses, and other identifying information were affected by the XXXX OPM data breach as well as XXXX 's XXXX data breach. I submitted all the required documents per 15usc1681c and yet the CRA has failed to block this information and it has been over 4 days. Again, this is NOT A DISPUTE. 

XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXXXXXX XXXX XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : 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 2023-04-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Amsher Collection Services, Inc.
State: TN

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, AL XXXX Monday - Thursday : XXXX - XXXX They keep calling my phone Its harassment I have no knowledge of this account

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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: WI

Complaint narrative:
My name is XXXX XXXX this complaint is not made in error neither is it being made by a third party.I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some inquiries. I have no knowledge of this and All is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports i never gave any written consent to report anything on my consumer reports no consent is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 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:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

According to 15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately According to 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission According to 15 USC 1681 I have the right to privacy According to 15 USC 1681s-2 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.

( B ) Reporting information after notice and confirmation of errors A person shall not furnish information relating to a consumer to any consumer reporting agency if ( i ) the person has been notified by the consumer, at the address specified by the person for such notices, that specific information is inaccurate; and ( ii ) the information is, in fact, inaccurate. 

I can go on and on The credit bureaus have no respect for the laws. 

Someone needs to hold them accountable for 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 2023-04-05 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
I have serval emails stating that the loan have been paid off since 2014 with Ocwen they said it was sent to XXXX but XXXX says it was sent back to Ocwen because it was paid off now both of them just been sending me back and forth with no help besides emails saying that its paid off. I was also into with XXXXXXXX XXXX saying its payed off but they never received the lien release either and I need to talk to them Ocwen and XXXX. I also have a ledger from 2014 when I was trying as well and Im just not getting anywhere.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: ALLIANT CREDIT UNION
State: CO

Complaint narrative:
XX/XX/2023, met a man on the dating site XXXX. He immediately pursued me for over 3 months. We emailed, spoke on the phone, did XXXX XXXX, had spoken with his parents etc. Just found out XXXX hours ago, that he had stolen someone else 's pictures, lied to me and misrepresented who he actually was. Everything was a lie. He applied lots of pressure for me to help him, because we were a team... ..we 're in this together. Through the coercion, on XX/XX/2023, I wired {$45000.00} into a bank in XXXX XXXX. I've have filed numerous reports with the local Sheriff 's department here, the CO AG 's office, IC3, FTC, and FBI. I have made numerous calls to my credit union and have gotten nowhere. Mostly, they don't return my phone calls. I've been a member there for over 33 years. I have all emails and phone calls from him. He is still contacting me but I haven't led on that I'm aware of his scam. The whole situation has made me feel sick. I'm desperate to recovery my money. I will have to compiled all documents into a folder to be able to attach or forward them. I'm currently out of town until XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: SYNCHRONY FINANCIAL
State: NC

Complaint narrative:
Subject : Complaint of misleading customer Dear Sir/Madam, I installed XXXX XXXX on XX/XX/XXXX from company XXXX XXXX XXXX XXXX XXXX Total price of installment was {$13000.00}. I was offered a financing option from their contact ( company who installed the HVAC ) bank ( HOME DESIGN/SYNCHRONY BANK ). XXXX XXXX from heating and cooling company called me and told me they have sent all documents to bank and the installment is {$340.00} per month. They told me they will provide the me link to setup payment. I asked them what are terms and conditions. They told me whatever installment plus {$29.00} per month service fee. I told them it is not bad deal. I setup auto pay for total of $ XXXX and started paying. 
On XX/XX/XXXX my remaining balance was {$7800.00}. On XX/XX/XXXX I got an email stating that my remaining balance is {$13000.00} adding all the percentage of interest from beginning ( total $ {$5500.00} ). I paid all those months to pay again. I was really sad. I called the bank about the situation they told me it was a promotion at that time. Because of not paying off all loans within that promotion period interest was added from beginning. They told me they can not do anything about it. Heating and cooling company directed me to bank didnt satisfied me why would they not let me know about loans terms and conditions. 
In this situation I am feeling I was misled from heating and cooling company. The person who contacted me about financing options was not serious or careless who failed to explain me about loans terms and conditions that cost me extra {$5500.00}. 
When I received a link to setup payment there was a set amount. They knowingly set my monthly payment lower so that they could claim the more money. I had never heard of this in my life. I didnt not have any option to change the monthly payment and I did not set up amount. The set amount was less so I could not pay off with in the promo period. I did not pay attention to those emails until XXXX of this year XXXX because I had auto pay set up and having that amount ready in my account. I was never missed any monthly payments. 
In short I was not told the terms and conditions of the loan so I believe I should not pay the interest from beginning again. I am happy to pay whatever the interest is to remaining balance or I can pay off remaining balance altogether.

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 2023-04-05 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: FL

Complaint narrative:
I discovered that many items on my credit report were incorrect when I reviewed them. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 credit bureaus to validate these items ( A ). It is not permissible to fail to validate these reporting items as unverified without providing any proof within the time frame specified by law. My credit report includes these erroneous items that need to be investigated and corrected : 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

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 2023-04-05 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: CA

Complaint narrative:
I value your help to REMOVED a portion of the data in my credit file that came about because of FRAUD yet I have an item passed on that should be taken out or blocked. Per FCRA segment XXXX, you are expected to eliminate any records recorded on an ID THEFT REPORT. I've proactively remembered this report from a past letter and I am including it once more. I've educated my lawyer regarding my aims and they are eager to consider you responsible for your tenacious rebelliousness. XXXX XXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX  XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX : {$0.00} ; Chapter XXXX Bankruptcy Reference # : XXXX Date Filed/Reported : XX/XX/XXXX ; XXXX XXXX XXXXXXXX Balance : {$1000.00} ; XXXX XXXXXXXX Balance {$170.00} ; XXXX XXXX Balance {$2000.00} ; XXXX XXXX XXXX Balance : {$1500.00} ; XXXX XXXXXXXX Balance : {$7600.00} ; XXXX XXXXXXXX Balance : {$2500.00} ; XXXX XXXX XXXX  XXXX Balance : {$310.00} ; XXXX XXXXXX/XX/XXXX ; XXXX XXXX ; XXXX, XXXX, L.

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 2023-04-05 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:
XXXX XXXX IS CLAIMING THAT I HAD AN ACCOUNT WITH THEM AND REPORTING TO THE CREDIT BUREAUS THAT THE ACCOUNT IS A CHARGE OFF, BUT I NEVER OPENED AN ACCOUNT WITH XXXX XXXX. I HAVE BEEN WITH RELIANT ENERGY FOR 10 YEARS. MY INFORMATION WAS INVOLVED IN A DATA BREACH YEARS AGO SO IT IS VERY POSSIBLE THAT THIS ACCOUNT WAS OPENED AS A RESULT OF THE BREACH. I ALSO SENT LETTERS MONTHS AGO, BUT THIS FELL ON DEAF EARS. NOT ONLY IS THIS ACCOUNT NOT MINE, BUT THE CREDIT BUREAUS ARE ALSO REPORTING INCONSISTENT INFORMATION AND THIS IS GROUNDS TO HAVE THE ACCOUNT REMOVED BECAUSE I AM OBLIGATED TO AN ACCURATE CREDIT REPORT. ALSO, ALL DATA FURNISHED SHOULD BE THE SAME SO HOW IS THIS WITHIN THE GUIDELINES OF THE FCRA? I HAVE ATTACHED THE INCONSISTENT CREDIT REPORTS. PLEASE REMOVE THIS ACCOUNT FROM MY CREDIT REPORT IMMEDIATELY.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: BMO BANK NATIONAL ASSOCIATION
State: CA

Complaint narrative:
I have accounts in bank of the west and this bank accidentaly, or purposely change the amount that i wrote on check {$20.00} to {$200.00} and right away franchise tax board sweeped my accounts that falsely credited by bank, and after that bank got there was a mistake happened, overdrown my account, and dont accept responsibility of their mistake.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY
State: CO

Complaint narrative:
XX/XX/XXXX XXXX unauthorized XXXX payment of {$1000.00} XX/XX/XXXX XXXX unauthorized XXXX payment of {$500.00} XX/XX/XXXX XXXX unauthorized XXXX payment of {$500.00} XX/XX/XXXX XXXX unauthorized XXXX payment of {$500.00} XX/XX/XXXX XXXX unauthorized XXXX payment of {$1000.00} I called wells fargo XX/XX/XXXX immediately XXXX XXXX woke up and saw my account drained at XXXX to report fraudulent withdrawals. 
I again called wells fargo on XX/XX/XXXX at XXXX to check the status of my claim, and they told me their investigation could not prove that there was fraud, and that they would not refund my money. 
By not taking the appropriate action, or letting me appeal their " investigation '' they are complicit in 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 explanation
Consumer complaint received 2023-04-05 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: 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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 : 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