vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-02-25 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: CITIBANK, N.A.
State: NC

Complaint narrative:
In response to the economic recession of XXXX, CitiBank increased my balance of {$10000.00} to {$30000.00}. 

Since then I have tried to speak to someone at Citi via written letters and phone calls to discuss and have gotten no response. 

This increase was not of my making but a result of the tax payer bailout. Since then I have been trying to pay this balance down. Even though I didnt create this balance. I can not keep bailing out Citi. I tried calling Citi again today and was bounced around customer service and the Rep left me on the call not responding and wouldn't give his name. 

This wrong needs to be made a right and pay me back this stealing and end this balance or I will contact the Consumer Financial Protection Bureau on Monday. 

Citi needs to provide you with the statements as it goes back years.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: TRANSWORLD SYSTEMS INC
State: IA

Complaint narrative:
My original XXXXXXXX debt which is now managed by transworld services inc was discharged in a XXXX  XXXX bankruptcy in early XXXX and they have been garnishing my income tax returns for 11 years now on this debt that was discharged.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Comerica
State: NV

Complaint narrative:
XX/XX/XXXX my bank account was hacked for {$500.00} my federal benefits bank is connected to XXXX XXXX you need legal unauthorized transaction occurred. I had {$5.00} on my XXXX XXXX  account my bank account was linked to XXXX XXXX  eye contact XXXX XXXX  over the phone they did an internal investigation and discovered It's transaction did not transpire to my phone but from an unknown source they implied that it was my bank responsibility and they were not responsible. My bank inform me that they saw no calls of their error and told me that I was liable for that mistake or transaction I did not authorize {$500.00} to leave my account I did not even have {$500.00} on my XXXX XXXX I do not have on the digital receipt that's on my smartphone that you can not remove any information nothing about {$500.00} entering or leaving my account I also get knowledge to check excuse me XXXX XXXX it crashed and XX/XX/XXXX They were offline for four or five days a nasty for some resolution my bank is going to charge me for that money They asked me to send them G trans transfer paper or the digital print on my phone I don't know how to do that and also a email did occurred that I can't find it recharged came from an unknown source and had an icon of a cell phone When you please help me reserve this issue thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: ND

Complaint narrative:
I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 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: ND

Complaint narrative:
I have previously disputed with XXXX experian and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: TD BANK US HOLDING COMPANY
State: VT

Complaint narrative:
We got a check XX/XX/XXXX it was deposited on XX/XX/XXXX. The money was removed from the persons account on XX/XX/XXXX we have documentation to all of this on XX/XX/XXXX the bank still has the check on hold. We have called twice. This is TD Bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 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: IL

Complaint narrative:
I have previously disputed with XXXX XXXX and equifax on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc.
State: CA

Complaint narrative:
I received a Vanilla VISA card for XXXX, in XX/XX/2021 from a family member. The amount of the gift card was {$100.00}. I enrolled the card using the Vanilla card website prior to using the card online. I used the card to make an online purchase of {$15.00} on XX/XX/2021. After that, I tried using the card at another online retailer but the card was rejected several times. I tried contacting the Vanilla Card company 's customer service through their posted phone number, but continued to receive a recording that no one was available to assist over the phone. The website did not provide an email address to send an email to their customer service. Also, when trying to check the balance on the card, I received an error message. Lastly, I tried contacting the issuing bank, XXXX, which says it is a member of the FDIC, however, again I was unable to receive any assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
Recently, I submitted an application for preapproval for a mortgage loan through XXXXXXXX XXXX XXXX XXXX, since I was interested in possibly purchasing a manufactured home which XXXX XXXX. I submitted an application with XXXX over the summer of XXXX, but ended up not purchasing a property at that time, and then again in XXXX of XXXX. 

On XX/XX/XXXX, XXXX XXXX of XXXX wrote : " Here is your updated conditional approval. Also in order to qualify for a 30 year mortgage your credit score would have needed to be a 680. The score we pulled from Transunion was a XXXX. So we wouldn't be able to offer a 30 year loan. '' See the enclosed documentation. 

Of course, the credit score determines the loan terms. It seemed a little strange that my TransUnion score could have been so low, especially when everything I've done has helped raise my score and my scores at the other bureaus were up over 700. 

Seeing that something wasn't right with what XXXX was telling me about my score, I purchased my TransUnion score on XX/XX/XXXX. On XX/XX/XXXX, my TransUnion score was XXXX, almost a full XXXX points higher than the XXXX that XXXX XXXX was telling me it was just a few weeks prior. See the enclosed documentation. 

There's no way my score increased by nearly XXXX points from XX/XX/XXXX to XX/XX/XXXX. XXXXXXXX XXXX  has been caught literally lying about credit scores in order to offer less favorable loan terms. 

What's the purpose in even pulling a credit report/score if you are going to lie about the contents anyways? I didn't consent to XXXX XXXX  pulling my report/score to turn around and lie about the score to offer me less favorable loan terms than I should have qualified for based upon my own knowledge of my score. 

Since XXXX XXXX  is using credit reports/scores for inappropriate purposes, the inquiries from XXXX and XXXX were made without my consent, and therefore the inquiries need to be removed. 

I notified TransUnion of the details and supplied the documentation to support removal of the inquiries, and yet TransUnion informed me that they wouldn't remove the inquiries made by XXXX XXXX  unless XXXX XXXX  itself contacts TransUnion to have those inquiries removed. 

This would be like a police officer showing up to the scene of the murder and deciding to not arrest the murderer unless the murderer agreed that he should be arrested! XXXX IS THE PROBLEM! The evidence is overwhelming!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 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: CA

Complaint narrative:
My credit scores appear to drop significantly by 50 points or more anytime I use a little bit of my available credit. I'm talking about less than 15 % of my available credit. For instance just recently I had a balance reported of {$2400.00} on one of my credit cards to the credit agency and my credit score dropped XXXX points. this is not the first time this has happened. It happened to me about four months ago on the same credit card when I temporarily used half of my credit available on that card for five days and then paid it off. My credit score dropped XXXX points and has never gotten back to anywhere close to where it was before. I pay my bills on time I pay my mortgage even in advance and I keep large balances in my checking and savings account but nothing seems to work with regard to keeping my credit scores up. Now my wife 's credit course never dropped significantly. She's on the same accounts that I'm on and her credit score may change by a point or two but never anywhere close to XXXX or XXXX points let alone XXXX plus points. The only significant difference between my wife and I is that I am XXXX XXXX and she is XXXX. We have been watching this trend for several years and thought well maybe it's just something going on with the credit agencies but I have tried everything and I'm frustrated with the continued dropping of my credit scores far below where they should be. There doesn't appear to be any system in place to help someone like me. I'm just tired of having to take it and having to pay higher interest rates because my scores are low. I need someone to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: IL

Complaint narrative:
I have previously disputed with transunion, XXXX  and XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 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: IL

Complaint narrative:
I have previously disputed with XXXX, experian XXXX  XXXX on XX/XX/2022 regarding certain accounts which I found inaccurate. Up to date, I have recieved no response nor proof that they are doing proper investigation with my dispute. They ignored my rights to obtain an accurate credit report. They're non compliant to FCRA. These erroneous reports badly hurt my credibility. I'm certain that my rights as a consumer protected under the law have been violated by this inaccurate information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Problem with the payoff process at the end of the loan — 
Company: UPGRADE, INC.
State: AZ

Complaint narrative:
I called upgrade and informed them that I wanted to pay off my loan in full which was {$200.00} I paid that and the lady stated that my account would update to {$0.00} in a few days. In a few days, I checked the account and it stated that I owed {$5.00} I called upgrade and informed the lady that I had already paid the full balance but to go ahead and pay off anything that I owe and to CLOSE the account. The lady stated that I needed to pay the {$5.00} and then she would request to have the account closed. Later that same day I checked the account and now it states that I owe XXXX XXXX, once again I call upgrade. I get a lady who states that she is sorry but the previous agents are not doing things right and stated that she has to submit some forms ( this was after she spoke with different managers. I requested to speak with managers but keep being told that there are not any managers available.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 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: NY

Complaint narrative:
i am a federally protected consumer. my name is XXXX XXXX relating to discover account XXXX experian has failed to fufill their duty in blocking information PURSUANT TO 15 USC 1681c-2 I CALL FOR A BLOCK TO ANY INFORMATION ON THIS ACCOUNT WHICH results FROM IDENTITY THEFT attached is a copy of said identity theft report information by XXXX had no consent to furnish any information to any consumer reporting agencies which is identity theft attached is a copy of said identity theft report filed with the federal trade comssion and proof of identity This information is not relating to any transaction by the consumer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX  XXXX  XXXX XXXX  XXXX Account # XXXX , XXXX XXXX XXXX Account XXXX XXXX , XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  CA XXXX XXXX Account # XXXX XXXX XXXX XXXX  CA XXXX XXXX Account # XXXX XXXX XXXX XXXX  CA XXXX XXXX Account # 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.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX XXXX Account # XXXX, XXXX XXXX  Account # XXXX, XXXX  Account # XXXX, XXXX XXXX XXXX Account # XXXX, XXXX XXXX  XXXX XXXX  XXXX Account # XXXX , XXXX XXXX XXXX Account # XXXX , XXXX XXXX XXXX XXXX Account # XXXX, XXXX XXXX XXXX  CA XXXX XXXX Account # XXXX XXXX XXXX XXXX  CA XXXX XXXX Account # XXXX XXXX XXXX XXXX  CA XXXX XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Checking or savings account — CD (Certificate of Deposit)
Issue: Managing an account — Banking errors
Company: ALLY FINANCIAL INC.
State: CA

Complaint narrative:
I called ally Bank to let them know that the 1099 INT for XXXX was not correct. They did not agree. I told them that if you add up the interest for the Year XXXX it did not add up to {$2100.00}. This is the amount added to the account when the CD matured not what was earned in XXXX. They opened a case in the beginning of XX/XX/XXXX on XX/XX/XXXX Ally Bank said the 1099 was correct and they closed the case.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Army and Air Force Exchange Service
State: IA

Complaint narrative:
My original aafes debt which is now managed by XXXX XXXX XXXX was discharged in a chapter XXXX bankruptcy in early XXXX and they have been garnishing my income tax returns for XXXX  years now on this debt that was discharged.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: National Enterprise Systems, Inc.
State: MI

Complaint narrative:
National Enterprise Systems , Inc. states that I owe {$510.00} to them from a debt that was assigned to them by XXXX XXXX XXXX. I've sent a debt validation, a Affidavit of Truth which was notarized, and Exhibit as proof in which they violated consumer laws which was notarized, a cease and desist letter with an attached invoice for payment to me since the fair debt collection practice act laws were breached.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-25 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am in disagreement with the items listed on my credit report which still appears on my credit report after an investigation. I would like these items immediately re-investigated and DELETED. These inaccuracies are highly injurious to my credit rating. You have ignored my previous XXXX request and failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information and every step must be taken to assure the information reported is completely accurate and correct.

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