vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I placed a dispute with Citibank about a charge where services were not provided and/or were not up to the standard expected on XX/XX/year> via the phone. The service in question was rendered on XX/XX/year>. I received a request on XX/XX/year> for more information, and was given a deadline of XX/XX/year> to provide the information. The information was provided on XX/XX/year> with confirmation of receipt on XX/XX/year>. The decision was rendered within XXXX hours of the receipt of the additional information. I attempted to contact CitiBank this evening, XX/XX/year>, to establish the reason for the rejection of the dispute, but all I got was an automated message in the phone system that the dispute was closed and that the details of the ruling would be sent via mail within the next XXXX hours. I couldn't appeal the decision. 

I am filing a complaint because it was rendered in such a time that it was impossible to contact the merchant as it was after business hours, which leads me to believe the decision was already pre-determined at that time. I provided all details of correspondence and pictures of the defective services/products in a narrative document that I was asked to give to CitiBank. There should have been more than enough evidence to get my dispute resolved in my favor, as the advertising was clearly deceptive and I was not provide the product that I paid for nor expected.

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 2024-02-16 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XX/XX/year> I had a payment set up to payoff the balance of my credit card in full in the amount of {$1000.00}. I have autopay setup on this account to make the {$25.00} minimum payment as a safeguard against late fees should I happen to forget XXXX month. Therefore, this payment was to be the minimum auto payment of {$25.00} plus {$1000.00} to complete the full payment. Somehow, my {$25.00} auto pay was cancelled which resulted in the full balance payoff being short {$25.00}. I dont know how it got cancelled as I was always select the full statement balance when paying online which prompts the customer to either cancel the minimum payment or pay it in addition to the full balance. Typically, Ill cancel as to not overpay. I wouldve had to manually type in the {$1000.00} on my end to make this payment, so I highly doubt this was my error. Regardless, this resulted in an interest charge of {$6.00} on my next statement. I called to explain the situation, but was told theres nothing that can be done. While I wasnt pleased, I accepted the {$6.00} and moved on. 
The following month on XX/XX/XXXX, I one again paid my balance in full and this time did NOT cancel my {$25.00} auto pay just as a precaution given what happened the previous month. This resulted in me overpaying by {$25.00}. My statement balance was {$920.00} and I wound up paying {$940.00}. When I received my new statement I was shocked to see yet another interest charge of now {$14.00}. 
I called to explain the situation which I had to do a few times, but the customer service representative was unwilling to help and would not let me talk to a supervisor. Simply put there was nothing they were willing to help and I believe never fully understood the issue, a truly frustrating experience. Bottom line because my XXXX payment was incorrectly {$25.00} short, Ive now been charge a total of {$20.00} in interest the past XXXX months which is absolutely ridiculous.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting 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 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 Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number XXXX XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXXXXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX Account XXXX Account Name : XXXX XXXX Account Number : XXXX and list of Inquiries. 


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 non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: VA

Complaint narrative:
My student loan servicer is MOHELA, and I was XXXX of the many affected by the billing errors at the restart of student loan payments last year ( XXXX ). Per the Dept. of Ed. policy and a mass email directly from MOHELA, my account was placed into administrative forbearance until the end of XX/XX/XXXX while the issues were resolved. 

Before even realizing that there was an issue, I diligently made the first " restart '' payment on XX/XX/XXXX in the amount of {$680.00}. However, the administrative forbearance went into effect, and the stated policy was to either refund payments made during the forbearance or to apply them to future balances if no refund were requested. I chose the default option -- expecting my 'overpayment ' to be applied to my XXXX balance of the same amount. Instead, I received a bill for XXXX in the amount of {$680.00}. 

I reached out to MOHELA twice through their secure messaging portal with details of this oversight. My first communication was on XX/XX/XXXX. After not receiving even a confirmation of receipt, I repeated the secure message on XX/XX/XXXX. 

I finally received a response to the first copy of the communication yesterday, XX/XX/XXXX. I am repeating the beginning of MOHELA 's response below : " Thank you for contacting MOHELA, We apologize for any inconvenience this may have caused. Payments made in XXXX and XXXX were not credited to future payments. " This response flatly contradicts the official statement of policy outlined in MOHELA 's email of XX/XX/XXXX titled " Regarding Your XXXX Billing Statement. '' The pertinent section of that statement reads " If you made any payment ( XXXX ) between XX/XX/XXXX, and XX/XX/XXXX, they will count toward your future payment ( XXXX ). '' MOHELA is not entitled to simply retain the payment from XXXX at its own discretion. It must abide by regulations and policy set forth by the Dept. of Education. In this case, MOHELA is explicitly reversing communicated policy and directives from the Dept. of Ed. 

In MOHELA 's XXXX XXXX response, they go on to insist that my position is inaccurate and that my account is delinquent in the amount of {$680.00} -- with a total amount due for XXXX of {$1300.00}. Based on their own official communications, this is incorrect and must be resolved as soon as practicable so as not to affect my creditworthiness going forward.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: EAST WEST BANK
State: CA

Complaint narrative:
A wire transfer was attempted on XX/XX/year> for an amount of XXXX from XXXX XXXX XXXX to an entity called XXXX XXXX at East West Bank. East West Bank returned the wire transfer ; however they failed to provide the information that the entity was a money mule for a fraud at XXXX XXXX  ( Document XXXX and XXXX see attached ). Had they provided this information to me as a consumer I would not have transferred the money again on the XXXX of XXXX to XXXX XXXX preventing the financial loss that I eventually incurred ( Wire Transfer 3 document - see attached. The lack of transparency and withholding of sensitive information has caused financial loss to me

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Clarity is a credit bureau that obtains and resells consumer credit report information without consent. They acquired my credit information from Experian and resold it within the past 90 days. When I checked my Clarity credit report online with reference number XXXX on XX/XX/2024, I was surprised to see that the " Inquiries Viewed By Others '' section had XXXX outdated and old inquiries. Furthermore, I found that XXXX out of the XXXX inquiries were duplicates, as XXXX XXXX had reported twice with the same date of inquiry, and the XXXX XXXX XXXX XXXX was also reported twice with the same date of inquiry.

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I hope this letter finds you in good health. I am writing to express my deep concern and frustration regarding the unresolved issue of fraudulent items on my credit file. Despite multiple attempts to rectify this situation, the fraudulent items persist, causing significant distress and impacting my creditworthiness. 

I have reported this matter on numerous occasions, with each attempt aimed at a swift resolution. Regrettably, the continued presence of these fraudulent items is adversely affecting my financial stability and overall confidence in the accuracy of my credit report. 

I urgently request the following actions be taken : Immediate Removal of Fraudulent Items : Expedite the process of investigating and removing all fraudulent items from my credit file at the earliest convenience.

Enhanced Communication Channels : Establish enhanced communication channels to ensure real-time updates on the progress made, providing transparent information about the ongoing investigation and efforts to rectify this issue. 

Preventive Measures Implementation : Implement additional security measures to safeguard my credit file and prevent future instances of unauthorized access or fraudulent activities. 

Compensation Consideration : Given the prolonged inconvenience and the potential impact on my financial well-being, I kindly request that you consider appropriate compensation or accommodations to address the stress and disruption experienced. 

I understand the challenges associated with addressing such matters but emphasize the critical nature of a swift and effective resolution to restore my confidence in the accuracy of my credit report. 

Please acknowledge receipt of this letter and inform me promptly of the concrete steps being taken to resolve the issue. If the necessary actions are not taken promptly, I may be compelled to escalate this complaint to relevant regulatory bodies and explore legal avenues to protect my rights and interests. I am asking for your assisstance to remove these fraud items in my credit file 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 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 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 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 non-monetary relief
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have a goal of getting a house as soon as possible but the stuff on my credit report will really put me in trouble. My name is XXXX XXXX XXXX there is no third party involved in the filing of this complaint and this complaint has not been made in error. These inquiries will made a look like a bad person when they see these on my credit report. And sad part about this is that I never agreed to these nor I was notified.

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 2024-02-16 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened without my consent or knowledge
Company: Chime Financial Inc
State: CA

Complaint narrative:
A Chime account was opened in my husband 's name, using my email address, without our permission. Our credit is frozen, so this should not have happened. However, Chime apparently does not check credit when opening accounts. They " apologized for the inconvenience '' and closed the account. However, their irresponsible business practices are what caused this problem in the first place. As we searched for info to make sure it wasn't a scam, we learned that people opening false accounts through Chime is a pervasive issue.

In addition, their solution for removing my email address from their database was to change it by adding XXXX XXXX 's to the end. Changing an email address and hoping that one has the modified address is not the same as removing an address from their database.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Exeter Finance, LLC.
State: CA

Complaint narrative:
XX/XX/XXXX My credit dropped about XXXX point and my cosigners credit dropped about XXXX points randomly due to missed payments that were reported out of the blue by Exeter Finance. I called Exeter Finance to report this, and they stated that they gave me the run around stated that the information reported was false due to it being from XXXX XXXX and that I would have to check a credit company they report to, so I did, and it was still reporting that it was a late payment. so, I contacted them again and Exeter finance told me that I must dispute it, which I did, and my issue was resolved. Then, XX/XX/XXXX, mine and my cosigners credit dropped again. Due to the same information that was fixed was being reported again. I then reached out to Exeter again and they stated that it was a problem with the credit company and that I must talk to them, so I did and that stated that it was Exeter 's reporting that was the issue, so I called them again and was told that in their system they don't have me had ever been late, I filed a complaint threw Exeter to have the issue looked into and filed a direct report threw XXXX, as a result they fixed my credit score again. Then XX/XX/XXXX, my credit and my cosigner 's credit dropped again. I repeated the same steps. I filed Disputes threw XXXX, XXXX, XXXX XXXX, and contacted Exeter finance again and they still stated to me that I have never been late on a payment to them, and my credit was once again fixed. Now, XX/XX/XXXX, again my credit and my cosigners credit dropped again, I filed a dispute again and contacted Exeter finance again and they refused to explain to me why this keeps happening, they refuse to fix it. they keep throwing me around and refusing to help me fix the problem. I've tried refinancing but I am unable to due to them making my credit horrible. I feel as if they are trapping me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I am writing to request the removal of a dismissed bankruptcy and associated late payment remarks from my credit report. Despite previous attempts to address this matter, I have not received a satisfactory response, and the inaccurate information remains on my credit report. 

The dismissed bankruptcy, which occurred [ XX/XX/year> ], was ultimately resolved and dismissed [ XX/XX/year> ] by the court. As a result, it should not be reflected on my credit report as it inaccurately portrays my financial history. 

Furthermore, any late payment remarks associated with this bankruptcy are also inaccurate and misleading. These remarks do not accurately represent my creditworthiness or financial responsibility, as the dismissal of the bankruptcy indicates a positive resolution to the situation. 

I have sent in attached documentation confirming the dismissal of the bankruptcy for your reference. I kindly request that you promptly investigate this matter and take the necessary steps to remove the dismissed bankruptcy and associated late payment remarks from my credit report. 

I understand the importance of accurate credit reporting and its impact on my financial well-being. Therefore, I urge you to prioritize this request and provide me with confirmation once the inaccuracies have been corrected. 

Thank you for your attention to this matter. I look forward to receiving confirmation of the removal of the dismissed bankruptcy and late payment remarks from my credit report. 

Sincerely,

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 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process.

Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-16 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
Per 15 USC 6802 ( b ) ( c ) I am supposed to receive knowledge of my rights to opt-out of my personal information being disclosed/reported through a 3rd party unaffiliate and then a second notice to instruct me on that process.

Per 15 USC 1666 ( b ) you can not list a payment late on an open account or closed if there is a billing error or unless you can prove with incontrovertible evidence that it was mailed and delivered before 21 days of the due date. No proof has been given or shown and the 3rd party never requested proof to confirm before marking my credit profile with a late payment. Not only did I not receive these said notices and instructions. I also have not received any proof of the damaging action of a late payment. The things that are being reported are affecting my business reputation in a negative way. It is causing me higher interest rates and credit denials. It is also causing immense amounts of stress. Which is also hurting me on an emotional, physical and mental level. If this is not rectified within 30 days I will be left with no choice but to further my elevated stress by pursuing legal action exercising my rights in 15 USC 1692 ( b ) ( d ) ( e ) ( k ). As their choice to not manually perform an investigation and to rely on eOSCAR is also causing further damage. The remedy I currently request is all negative items removed 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