vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-17 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:
While paying off my Credit cards I accidentally overpaid my Citi Costco VISA. I sent the incorrect amount to Citi by approx. {$7900.00} on or around XXXX. I did not realize this until I looked to set up a payoff for charges I was making during XXXX, that I noticed the credit balance. I was using the card in XXXX and the credit balance is now {$67000.00}. I waited a week after discovering my error as to let any charges go through. Once I was confident there was nothing pending, I phoned Citi on XXXX to request my credit balance returned. The conversation was pleasant and the customer service agent was very helpful and said I would have my funds direct deposited within 3-5 business days. They did not that sometimes these need to be approved by management, however, he said this one looked to be approved. I waited 5 business days and nothing was sent to my checking account. I phoned on XXXX and requested to speak with a supervisor/manager. The manager understood the issue and explained they would expedite the payment and I should receive it within 2 business days. Again everyone involved was very helpful. I waited and 2 business days passed and no funds were deposited into my account as was explained would happen. I phoned Citi on XXXX and again asked to speak with a manager, and went over the whole situation again. It was explained that this refund of my credit balance was being reviewed, however not approved. I expressed my displeasure and explained that based on what I know they are in violation of Regulation Z, as I had given them notification I wanted my funds returned and they are required by law to send my funds back within 7 business days. I still do not have my funds and it is still not clear when these funds will be returned. I will say all representatives at Citi were polite and professional and I did maintain my own professionalism when discussing the issue. It is not acceptable for the bank to keep my funds without a reason or provide a timeframe they will be returned. It should also be noted that the last manager I spoke with put in an executive complaint, however, it is for discrimination. To be clear, I do not feel that Citi was in any way discriminating against me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: MD

Complaint narrative:
I have called Community Bank ( XXXX store card ) over a dozen times regarding this issue. We'd like the total fees of XXXX reversed and to pay the remaining balance in full. 

On XX/XX/2022 I received a suspicious text message to call the bank. I called the bank 's main number listed on the website and spoke to a Comenity Bank rep who told me there was no issue with our account and that it was paid in full. 

I received an email weeks later saying our account was past due. When I investigated, the account indeed was not paid in full and our promotional balances had expired. I have called numerous times since then. I was told a dispute was filed and it would take 90 days, this was XX/XX/2022. I called in XXXX and was told it was not complete. Again in XXXX, same answer. Twice again in XXXX. On XX/XX/XXXX I was told by a rep they would email the dispute department to get an update and I would again have to call back. 

I called again XX/XX/XXXX and spoke with a supervisor who said there were no notes on the account and no email was sent. As the consumer it feels like there is some type of intentional ethical issue here trying to prevent us from completing this dispute and reversing the interest charges and other fees associated with the false information we were provided by a Comenity rep in XX/XX/2022. 

Finally I was able to escalate to the executive team at Community and XXXX and was promised it would be resolved. I received a letter today that Comenity is not refunding any of the fraudulent charges and are refusing to correct the fraudulent information provided to us by a Comenity bank representative.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17 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: TX

Complaint narrative:
In accordance with Fair Credit Reporting Act, XXXX  Account XXXX XXXX  XXXX XXXX account number # XXXX ( {$1500.00} ), Has violated my rights. 
15 U.S.C. 1681 section 602 ( a ) : states I have a right to privacy.

15 U.S.C. 1681 section 604 ( a ) 2 : 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 2023-05-17 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: TX

Complaint narrative:
In accordance with Fair Credit Reporting Act, XXXX  Account XXXX XXXX  XXXX XXXX account number # XXXX ( {$1500.00} ), Has violated my rights. 
15 U.S.C. 1681 section 602 ( a ) : states I have a right to privacy.

15 U.S.C. 1681 section 604 ( a ) 2 : states a consumer reporting agency can not furnish a account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX  # XXXX XXXX, VA XXXX XX/XX/1987 XXXX Equifax XXXX XXXX XXXX XXXX TX XXXX To whom it may concern : I am writing to you because you are reporting collections on my credit report that I do not recall. Please see items listed below : XXXX {$590.00} XXXX XXXX XXXX {$630.00} XXXX XXXX XXXX {$200.00} XXXX XXXX {$290.00} Please forward me any documentation providing proof I applied for credit with this creditor. If you can not provide such documentation, then please remove this inquiry from my credit file immediately. 


XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: NV

Complaint narrative:
I have made several attempts to call XXXX XXXX loans to discuss an error in their computing of my monthly payments. Instead of applying my payments to my monthy mortgage dues, they are applying my payments to the " principal '' and sending me late fees notices and non-payment letters. I have all payments on auto-pay and therefore there shouldn't be a problem at all. The agent yesterday simply hung up on me because is was too difficult to manage.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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:
This is in response to complaint XXXX. Experian stated that the company has verified the account. Please send me the contracts that I allegedly signed for each of these accounts. I know that you didn't legally investigate these because if you had, you would have known that I had never signed anything at all. I contacted these collectors and was notified that you did not reach out to them. In addition, when I sent my debt validation letter to them, they failed to send me legal validation. The original creditor does not report the balance that's reporting on my credit report. I also sent you a copy of the PLAINTIFF 'S NOTICE OF NON-SUITS stating that the company XXXX XXXX dismissed all claims against me. I will attach it for your reference again. Please remove these accounts for failure to verify : 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 2023-05-17 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: OH

Complaint narrative:
I would like to make a follow up on my complaint that you closed XX/XX/XXXX. Everything wasn't addressed well. I am asking you to have US DEPT ED which is a multiple account with the same account number of XXXX opened in XX/XX/XXXX, XXXX  with an account number XXXX opened in XX/XX/XXXX, multiple account of US DEPT OF ED/XXXX with the same account number of XXXX opened in XX/XX/XXXX, XXXX XXXX with an account number of XXXX opened in XX/XX/XXXX, XXXX XXXX with an account number XXXX opened XXXX XX/XX/XXXX, and an untitled account, it has no account name but its account number is XXXX opened in XX/XX/XXXX be deleted from my credit file.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-17 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: OH

Complaint narrative:
I would like to make a follow up on my complaint that you closed XX/XX/XXXX. Everything wasn't addressed well. I am asking you to have US DEPT ED which is a multiple account with the same account number of XXXX opened in XX/XX/XXXX, XXXX  with an account number XXXX opened in XX/XX/XXXX, multiple account of US DEPT OF EDXXXX with the same account number of XXXX opened in XX/XX/XXXX, XXXX XXXX with an account number of XXXX opened in XX/XX/XXXX, XXXX XXXX with an account number XXXX opened in XX/XX/XXXX, and an untitled account, it has no account name but its account number is XXXX opened in XX/XX/XXXX be deleted from my credit file.

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 2023-05-17 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: TOYOTA MOTOR CREDIT CORPORATION
State: TX

Complaint narrative:
I've requested a Validation Of Debt under 15 USC 1692g and a request for Disclosures from Lexus Financial Services and Toyota Motor Credit due to the wrongful actions described in the letter, In fear that the wrong company and/or entity was benefiting from my intellectual property so i sent certified mail of Validation Of Debt Request, Tracking Number : XXXX which was received XX/XX/2023. As soon as it was received there was a post on my credit According to the FDCPA They CANT Falsely represent the character, amount, or legal status of the debt, or of any services rendered, or compensation he or she may receive for collecting the debt OR Communicate, or threaten to communicate, false credit information or information that should be known to be false, including not identifying disputed debts as such. 


As they have done both and posted the debt without specifying the debt as disputed while sending me a letter stating they will stop all further collections of the debt and on the other hand, posting on my credit. 



It's been well over a month and I have not received any Validation Of Debt So i called the credit bureaus XXXX, XXXX, and XXXX asking for them to remove the account which they are refusing to and my guess is because they don't have the power to do so. I asked them how are they able to post without validation and they said only require confirmation from the " creditor '' and it's up to them to send It to me, when i explained they are not sending it they told me to contact you guys. I've already sent cfpb the validation of debt letter around the same time I sent it so they'd have record of it and now I am trying to get it removed since the alleged " creditor '' and/or " debt collector '' wont provide none of the information required in 15 USC 1692g XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Money was not available when promised — 
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
On XX/XX/2023, I sent an international wire transfer to my sister in XXXX, XXXX. The amount was {$1700.00} debited from a savings account that I have with Citi Bank. The delivery was promised on or before XX/XX/2023. 
I want to note that this is the type of transaction that I have conducted via this institution for at least years, so I was surprised that the funds never arrived. 
I contacted the company by phone to notify it of the situation. I finally received a letter informing me that research was underway. I waited about 30 days, no answer. I called the company again and requested that since the recipient never received the funds, the amount should be refunded/credited to my account. 
I reminded Citi Bank that I hired it to perform a specific task and it failed me. If it sent the funds as it claims but they were never received by the beneficiary, they must recover the payment from the entity they use for their transaction, said entity/department has no relationship with me whatsoever. 
Instead of refunding/crediting my account, I received a letter stating that they made the payment without proof. My sister never received the {$1700.00}, my account has not been credited. 
I did not expect Citi Bank to fail me this way and now claims that I must pay for its mistakes, it failure to conduct the transaction as promised.

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 2023-05-17 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: MD

Complaint narrative:
On my credit report- XXXX is being reported as a charged off. Account # XXXX. Yet, I am paying XXXX - This account is not settled or charged off.

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 2023-05-17 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: MD

Complaint narrative:
On my credit report- XXXX XXXX being reported as a charged off. Account # XXXX. Yet, I am paying XXXX - This account is not settled or charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: MD

Complaint narrative:
On my credit report- XXXX is being reported as a charged off. Account # XXXX. Yet, I am paying XXXX - This account is not settled or charged off.

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 2023-05-17 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
On XX/XX/2022 I placed an order on XXXX and paid using my XXXX XXXX XXXXXXXX XXXX. The order was never received. I reached out to the merchant and was told to dispute the charge with my financial institution. Since the merchant was unable to resolve the issue, I submitted a dispute with XXXX XXXX. A few weeks after disputing the charge, I received a letter from XXXX  XXXX asking for supporting documents. I responded to XXXX XXXX with all the requested documents. I was recently rebilled for the charge and received a letter stating, " While we have received your response to this request, it lacks all of the previously requested information needed to validate your claim ''. The letter does not specify what documents they did not receive or what documents I could provide to resolve my dispute. It is clear that XXXX XXXX did not properly review the documents I sent to them. I believe that XXXX XXXX is acting in best interest of the merchant and not protecting their customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-17 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Illinois Collection Service, Inc.
State: IL

Complaint narrative:
I am asking for a debt validation letter. With a contract that I signed. Stating I owe for whatever was done. With procedures that was done time, date, etc. I have asked twice for this. I dont want a bill. I want a contract with my signature stating I owe 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 2023-05-17 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
THE FOLLOWING INQUIRIES ARE FRAUDULENT AND NEEDS TO BE REMOVED : XXXX XXXX ( XX/XX/XXXX ), & XXXX XXXX XXXX XX/XX/XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-17 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: PA

Complaint narrative:
It has come to my knowledge that XXXX XXXX XXXX XXXX Account # XXXX has violated my rights. 


USC 1681 section 602 A - states rights to privacy U.S.c 1681 Section 604 A section 2 - a consumer reporting Agency can not furnish a account without my written instructions U.s.c 1681c. ( A ) ( 5 ) - no consumer reporting agency may make any consumer report containing any of the following items of information any other adverse item if 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 any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate 15 U.S.C 1692 Section 805 A states a debt collector may not communicate with a consumer in connection with the collection of any debt at any unusual time or place or a time or place known Or which should be known to be inconvenient to the consumer. 



15 USC 1692 Section 805 A Section 3 States at the consumers place of employment if the debt collector knows it has reason to know that the consumers employer prohibits the consumer from receiving such communication 15 U.S. Code $ 1681c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt. 

It has been 30+ days and you are in VIOLATION of this law because I am a victim of identity theft!! Please delete these items IMMEDIATELY! 

These accounts should not be furnished on my consumer report as they are in VIOLATION!!!

Under, 15 U.S Code 1681b - Permissible purposes of consumer reports ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the WRITTEN INSTRUCTION of the consumer to whom it relates. I NEVER gave any consumer reporting agency WRITTEN CONSENT to report anything on my consumer report which violates my rights as a federal protected consumer. NO CONSENT IS IDE NTITY THEFTXXXX As a consumer lam demanding the deletion of the accounts listed IMMEDIATELY! 


In the documents shown below, this company has sent me a copy of their docs that they have on file for this account THIS IS NOT MY ADDRESS, NOWHERE IS MY SOCIAL ISSUED, NOWHERE IS MY PHONE NUMBER ISSUE, MY NAME IS NOT EVEN SIGNED ON THE DOCS! SO THERE IS NO REASON FOR THIS DOCUMENT TO BE ON MY REPORT AS A {$1900.00} COLLECTION! THIS IS PREVENTING ME TO MOVE FORWARD SUCCESSFULLY WITH MY CREDIT PROGRESS!

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 2023-05-17 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: MI

Complaint narrative:
There are MULTIPLE FRAUDULENT inquiries on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to REMOVE these inquiries from my credit report immediately.

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 2023-05-17 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: MI

Complaint narrative:
There are MULTIPLE FRAUDULENT inquiries on my credit report. I have reached out to these credit bureaus and companies MULTIPLE times in regard to the fraudulent inquiries and they're still reporting on my credit report. 
I'm reaching out regarding these inquiries and for assistance to REMOVE these inquiries from my credit report immediately.

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