vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 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: CITIBANK, N.A.
State: NJ

Complaint narrative:
I was the holder of a secured credit card with Citibank with a {$500.00} collateral deposit that I had paid. I used the cards many times with no issue. On XX/XX/2019 my balance was {$590.00}, I made a payment of {$360.00} which was withdrawn from my account. The very next day on XX/XX/2019 Citibank closed my card leaving me with a balance due of {$230.00}, since I had {$500.00} collateral, they deducted my balance due and refunded me {$260.00} from my collateral by check on XX/XX/2019 with check # XXXX. I thought since I had paid off the account that everything was ok until Citibank starting reporting late payments to all 3 credit bureaus. Not only that, they stated that I owed them {$640.00}. I stated calling Citibank in regards to this issue and was transferred many times to different departments. I spend hours on the phone explaining the situation and no one could help me. I was asking Citibank to show me where the balance was coming from but each rep I spoke to stated that the only thing they could send me was a statement but the only thing the statement showed was a dollar amount due, it did not show where the charge was coming from nor could any of the representatives I spoke to could tell me why there was a balance. One representative from Citibank advised me it would be faster to file a dispute directly with the credit bureaus. I did in fact file dispute with each of the bureaus. Each time they would get back to me and say that the information being reported was accurate and that it would stay on my credit report. I did not understand how that could be so. How could they verify the information as accurate is I myself as the account holder could not get anyone to verify where the charge was coming from? It has been almost three years now that they still report a balance and showed as a charge off. This past week, out of sheer frustration and in an attempt to salvage my credit I paid Citibank the {$640.00} despite thinking it was really unfair as I did not owe this money. I only paid in hopes of restoring my credit and getting the account removed but Citibank is still showing my account. It updated to show as a paid charge off which is not any better.

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 2023-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
This debt collector has not provided notice of when the original debt occurred and submitted collection as of XXXX/2020. I still do not recognize this debt from any prior purchases. This debt collector has sent invoice documents that I do not recognize since I never made any purchases through XXXX ( original debtor ). This collection notice needs to be removed from my credit report. I did not recognize this debt and don't understand how it was even opened for collections in XXXX, 2020 so it can be related to identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: FL

Complaint narrative:
To whom it may concern : I've contacted XXXX XXXX & XXXX to verify this alleged debt using the CFPB platform, and I haven't gotten a response to date. I asked XXXX XXXX & XXXX for a breakdown of fees, including how they calculated what they claim I owe. A copy of my signature on a contract or document that holds me responsible for this alleged debt. Proof that they are licensed to collect debt in my state. To cease any credit bureau reporting until I have validated the debt as required under the FCRA. XXXX XXXX XXXX XXXX failed to respond with the requested proof, so I'm asking that their report be removed along with anything associated with it be removed from my credit 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 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Credit card company won't increase or decrease your credit limit
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX

Complaint narrative:
Ive had this credit card for three years and always paid on time. My credit limit is still sitting at a {$500.00} limit and thats ridiculous after three 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 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
All the unfair overdraft fees

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 2023-03-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: TRUIST FINANCIAL CORPORATION
State: VA

Complaint narrative:
Since XXXX of XXXX, I have tried over and over to resolve issues that Truist bank has claimed I needed to perform or do. Including but not limited to Have Home insurance, Verify My name after I already submitted it. Countless times. Moving unapplied funds ( less than a house payment ) to a payment and then removing that said payment. Changing the mortgage and balances of my account. Preventing correct payments and trying to steal my home. The representatives have lied, schemed, and refuse to be fair. They also have tried to make me in default with Bankruptcy, Allowed other companies kickbacks, and allowed representatives of their companies to break laws and discriminate against me, and take advantage of me personally. Using my truths against me. Even after repeated attempts to resolve this matter, I was sent a letter saying they did nothing wrong and denied my request. I now can not get proper insurance to fill full my original loan agreements in turn may cause a default. They said in the letter that an employee did not work there but when I called after receiving their letter, IN fact, that XXXX answered the phone and while being recorded with his acknowledgment. He said he was in fact an employee.

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 2023-03-24 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: GA

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. 

Account Name : XXXX XXXX XXXX  # XXXX ; Account Name XXXX XXXX XXXX XXXX  # XXXX ; Account Name : XXXX XXXX # XXXX ; Account Name : XXXX XXXX # XXXX ; Account Name : XXXX XXXX XXXX XXXX # has violated my rights. 

15 USC 1681 section 602 A. States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account with my written instructions.

15 USC 1681c ( a ) ( 4 ) 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 more than seven years.

15 USC 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
Consumer complaint received 2023-03-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with the interest rate
Company: Bridgecrest Acceptance Corporation
State: CO

Complaint narrative:
Bridgecrest has not applied and of the payment to the principal, has increased interest rates and violated the loan contract. I have tried for a year to get the bank to explain why the principal has not bugged. They refuse to supply answers

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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:
This just proves that 3 Credit Bureaus are lack of proper record keeping. Now, these accounts are reporting to be late, yet it is closed. Lets correct this immediately. The Bureaus are required to verify for themselves but I will go ahead and remind you that these accounts were paid, closed, and no longer active and should have reflected the status of paid as agreed. Provide documentation that the Bureaus have not abrogated my rights by reporting false information, otherwise remove this account 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
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Other debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Wilber and Associates, P.C.
State: NH

Complaint narrative:
I was involved in a motor vehicle accident in which another car impacted my vehicle. I began receiving threatening letters from XXXX XXXX. I attempted to contact them to tell them that I am insured, and to contact my insurance provider. I then received these letters from this company. This is clearly illegal harassment, as I told them they were to cease contacting me immediately and to contact my insurance company.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: Chime Financial Inc
State: TX

Complaint narrative:
I had 46 charges to a XXXX XXXX XXXX and to two other places that was not done or authorized by me I can not get any reason or explanation to why it was done or my dispute denied

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: Albert Corporation
State: WI

Complaint narrative:
I have a savings account with Albert and am trying to close it but they wont give me the remaining {$140.00} in the account.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: FL

Complaint narrative:
This is formal notice of litigation efforts commenced against Equifax Information Services, LLC AND Equifax Credit Information Services , Inc. Equifax has allowed unauthorized access to my credit file. Equifax has unlawfully trafficked nonpublic personal information to XXXX XXXX XXXX XXXX XXXX which such information was used to harass and embarrass me in front of the entire neighborhood. Equifax has allowed unauthorized inquiries by XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Equifax is participating in the defamation of my character by allowing unauthorized financial institutions to access and furnish defamatory and libelous information. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), consumer reports shall not contain information solely as to transactions or experiences between the consumer and the person making the report. Equifax is allowing false or unlawful reporting to monetarily gain at the expense of tarnishing my reputation and deprive me of housing, life and liberty. Equifax is unlawfully furnishing Collections that debt collectors have requested to be removed and has refused to update or provided an updated credit report in almost a year. Equifax is also unlawfully furnishing XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX  XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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: FL

Complaint narrative:
This is formal notice of litigation efforts commenced against Equifax Information Services, LLC AND Equifax Credit Information Services , Inc. Equifax has allowed unauthorized access to my credit file. Equifax has unlawfully trafficked nonpublic personal information to XXXX XXXX XXXX XXXX XXXX which such information was used to harass and embarrass me in front of the entire neighborhood. Equifax has allowed unauthorized inquiries by XXXX, XXXX  XXXX XXXX, XXXX XXXX  XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX  XXXX XXXX XXXX. Equifax is participating in the defamation of my character by allowing unauthorized financial institutions to access and furnish defamatory and libelous information. According to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), consumer reports shall not contain information solely as to transactions or experiences between the consumer and the person making the report. Equifax is allowing false or unlawful reporting to monetarily gain at the expense of tarnishing my reputation and deprive me of housing, life and liberty. Equifax is unlawfully furnishing Collections that debt collectors have requested to be removed and has refused to update or provided an updated credit report in almost a year. Equifax is also unlawfully furnishing XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX XXXX , XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD

Complaint narrative:
I have used my Capital One credit card for years. My last full check shows I have a balance for purchases. I also noticed there is a field for cash advances, and this shows over {$2000.00} for XXXX XXXX. 
About XX/XX/XXXX I withdrew a cash advance of {$500.00}. I have not used or tried any more cash advances since. I do not dispute I needed to pay the money back, including interest. 
I also was aware of a higher interest rate and that increases daily. I am not disputing the interest percentage. 
I have used my card to make regular purchases and have always made payments that exceed the minimum. I have even made extra payments in between cycles. Since no money was due when I did this I expected they apply the extra payments to the principle. 
I understand that banks are supposed to apply payments to the account with higher interest rates first. Cash advances are subject to a higher rate and re compounded daily. 
I contacted XXXX XXXX on XX/XX/XXXX and asked the first person why it said I owe over XXXX for the advance of {$500.00} in XXXX. I was not able, or did take any more advances, and the ability to do any more was blocked at {$500.00}. 
Each person in customer service said something didn't seem right and put me on a long hold. It was told that the account should have been paid off first due to it's higher interest rate and daily accrual. This was not done. I was then transferred to a second person after another long hold. That person also said something wasn't right. More long hold and transferred to a 3rd person. I asked her why the higher charge account wasn't paid first. She said both interest rates were the SAME so they basically applied all payments to the main account, and none to the advance account. 
how I could pay back the advance first while still making extra payments to account. 
She again said since the rates were same for both types, they didn't have to apply payments to the advance account. I asked her what I could do to resolve this issue since I was being charged {$50.00} a month in interest for the {$500.00} charge. She said I had to pay the ENTIRE amount for both which is over {$4000.00}. I could agree with them if I was behind on this payments but I always paid more than was due on every payment. 
They said ( the fine print ) said they can continue to charge all those fees. They offered NO settlement or second consideration. Paying extra to the account for 3 years and it went from {$500.00} to $ XXXX doesn't seem right

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: AMERICAN EXPRESS COMPANY
State: AZ

Complaint narrative:
I am the owner of XXXX XXXX, which is a XXXX XXXX XXXX based in Arizona. On XX/XX/XXXX, XXXX XXXX used an American Express card ending in XXXX to book my property in the amount of {$8200.00}. XXXX XXXX booked my property through XXXX XXXX XXXX  ... He booked for XXXX XXXX XXXX. On the terms and conditions page you will find that there is no refund available if you cancel less than 30 days before check-in. you will see in my attachments that when you go to book on the website, you must check a box that says " i agree to the terms and conditions '' which takes you to the page that lays out the refund policy. there is also a box below it that makes you check a box for the cancellation policy- laying out the refund policy again. XXXX XXXX checked both of those boxes and made the payment. that is, the payment would not be able to be processed unless the person checked those boxes. 

The credit card used was American Express, but my credit card processor is XXXX. 
On XX/XX/XXXX, XXXX and XXXX XXXX cancelled the reservation to stay at my property. This was one day before check-in. Therefore, no refunds were available. 
XXXX XXXX filed a dispute with American Express and American Express ruled in his favor. I was notified by XXXX that there was a dispute opened on XX/XX/XXXX. I sent in the contract that XXXX XXXX had with my company but American Express ruled in his favor, and XXXX denied my claim for the dispute. I am now hoping to submit evidence that will show evidence that the customer expressly agreed to the payment agreement and contract listed on the website that they booked through. I am hoping to have the chargeback reversed so I can get reimbursed from the fraudulent claim against me and my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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:
The credit bureaus keep disrespecting the laws. I showed them multiple times of how they are violating the Fair Credit Reporting Act. 

15 USC 1681i ( 5 ) the credit bureaus have to modify or delete accounts that are not reporting accurately 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 instruction 15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose 15 USC 1681b ( 1 ) the credit bureaus dont have no written premission 15 USC 1681section 602 A. States I have the right to privacy.

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 2023-03-24 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: TX

Complaint narrative:
Hello, there is a child support account reporting in my credit reports from the XXXX XXXX XXXXXXXX but, I don't have any children. I think that this may be someone else 's account reporting in my report. I sent dispute letters to the credit bureaus ( Experian, XXXX, and XXXX ) but have not heard back yet. Please have the credit bureaus remove this incorrect account which is not mine from my credit 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 explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: Block, Inc.
State: NY

Complaint narrative:
XX/XX/XXXX XXXX XXXX delivered bad food and was refusing to contact me back and so I contacted my card company cash app to step in. They pulled the money from XXXX XXXX XXXX and the next day XXXX XXXX  refunded me a partial amount XXXX and then I wrote my cash app back and told them to cancel and refund my money to XXXXXXXX XXXX. They told me to wait 45 days from my original complaint. So I did and they told me on the XXXX to wait 3 business days. Today is the 3rd day and they refuse to release my XXXXXXXX XXXX to pay off the money they refunded and then denied me to keep cause XXXXXXXX XXXX has returned a refund for their bad service. I have chat proof and transaction proof cash app is refusing now to release the money on the given time frame of the refund. And now is fraudulently holding info on my money

Company response to consumer: Closed with explanation