vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem when making payments — 
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
My name is XXXX XXXX and having trouble with Citi on my new personal loan. Loan # XXXX. I made my first payment in XXXX of XXXX  and received emails and phone calls from Citi Collections that I did not make my first payment, this surprised me since I had record of the check clearing already. After numerous calls to Citi I was asked to fax a copy of the front and back of check which I did on XX/XX/XXXX. I spoke to the following supervisors in XXXX and XXXX XXXX and XXXX and neither one was able to get this resolved with Citi 's back-office. I was told they have my fax and would adjust my account in 7-10 days. XXXX  is XXXX XXXX and I still can't get this resolved. No one is calling me back with updates and I am very frustrated I have to keep calling. Citi needs to adjust me account ASAP and make sure I am not charged late fees, adjust for interest and credit my account with a one-time fee credit for the trouble I am going through. This was my first payment and has been a nightmare experience. Also I asked that my loan be linked to my credit card so I can review balances and make future payments online. I was informed by Citi they are having a problem linking accounts with 11 digits, this is crazy! I requested a new shorter account number and they have provided this to me either. I want this processed ASAP. 
Unfair practices and awful customer service from Citi. 
XXXX ph # 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 monetary relief
Consumer complaint received 2023-02-21 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 — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and do not adhere to the laws and regulations set forth by the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

Specifically, I would like to dispute the following accounts : Bankruptcy XXXX XXXX XXXX XXXXankruptcy : 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 off account The above accounts contain several violations of the laws and regulations mentioned earlier. I would like to request that you investigate the following items for possible errors and inaccuracies : The bankruptcy accounts have been reported inconsistently, with one account listed as XXXX XXXX XXXX XXXX XXXX account listed as Bankruptcy : XXXX XXXX, and another account listed as Bankruptcy XXXX  XXXX. This is a violation of the FCRA. 
The XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection account contains errors and should be investigated for inaccuracies. This item may be a violation of the FCRA, FDCPA, TILA, and/or RESPA. 
The charge off account for XXXX XXXX XXXX XXXX contains errors and should be investigated for inaccuracies. This item may be a violation of the FCRA, FDCPA, TILA, and/or RESPA.

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 2023-02-21 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report that are inaccurate and do not adhere to the laws and regulations set forth by the FCRA, FDCPA, FACTACT, TILA, RESPA, ECOA, and FCBA. 

Specifically, I would like to dispute the following accounts : 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 XXXXXXXX off account The above accounts contain several violations of the laws and regulations mentioned earlier. I would like to request that you investigate the following items for possible errors and inaccuracies : The bankruptcy accounts have been reported inconsistently, with one account listed as XXXX  XXXX Bankruptcy XXXX, XXXX account listed as Bankruptcy : XXXX XXXX, and another account listed as Bankruptcy XXXX  XXXX. This is a violation of the FCRA. 
The XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Collection account contains errors and should be investigated for inaccuracies. This item XXXX be a violation of the FCRA, FDCPA, TILA, and/or RESPA. 
The charge off account for XXXX XXXX XXXX XXXX contains errors and should be investigated for inaccuracies. This item may be a violation of the FCRA, FDCPA, TILA, and/or RESPA.

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 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Unexpected or other fees — 
Company: Block, Inc.
State: MD

Complaint narrative:
On XXXX XXXX XXXX  XXXX, CashApp charged my checking account XXXX. This CashApp account was closed due to fraudulent activity. I have used this app only once to send money. On XX/XX/XXXX of XXXX, there was an attempt to fraud my account with a charge I had not made. Secondly, someone ordered a card against my account. I never requested or ordered a card from this company. I immediately closed this account on XX/XX/XXXX, removing my checking account number first. Now this account is being used by someone I do not know and CashApp is charging my account a monthly fee ad if it is still active. I have notified my bank and reported fraudulent activity. When I try to reach out to CashApp, I am put into a phone loop. I can only request a call back. When the call back, the automated system puts me back into a phone loop, to request a call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: CARRINGTON MORTGAGE SERVICES, LLC
State: NJ

Complaint narrative:
Carrington Mortgage Company is reporting " delinquent '' to credit reporting agencies my promptly-paid mortgage and refuses to respond in any way to my requests for error correction.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: AZ

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit 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 2023-02-21 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: AZ

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Essential Lending Inc
State: TX

Complaint narrative:
I was told a lie by an employee and my loan wasnt renewed when they said it would be.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: CCS Financial Services, Inc.
State: NJ

Complaint narrative:
I have been paying XXXX XXXX XXXX billing faithfully every month since XX/XX/XXXX ( Bill received in XXXX with statement date of XX/XX/XXXX ). I was told in XXXX that my payments were too low ( $ XXXX/month ) so they were transferring my account to carepayment. XXXX sent me a bill on XX/XX/XXXX that was due on XX/XX/XXXX. I paid online, immediately. I logged in on XX/XX/XXXX to make my next payment and saw that my account had a negative balance and that my account was transferred back to XXXX. XXXX stated by account was recalled due to : XXXX. On XX/XX/XXXX, I received a notice from XXXX that my account was turned over to collections. I called XXXX billing on XX/XX/XXXX and was informed that my account would be sent for further inquiry and it could take up to 5 weeks to hear back from them. 
I called Credit Collection Services on XX/XX/XXXX and was informed my account was retracted by XXXX and I owed {$0.00}. I called XXXX billing to try to find out what was going on with my account and they said that it had been retracted from XXXX, but then resubmitted. I had made payments every month except for XXXX, because my account was not with XXXX at that time and transitioning to carepayment. When I called carepayment in mid-XXXX, they had not yet received my account information. As of XX/XX/XXXX, XXXX XXXX supervisor, XXXX, stated that I was back in collections. To avoid damage to my credit, I had no choice but to pay via credit card and will incur interest for having done so. I have or had 7 other medical bills and have only been able to pay so much per month as every entity requires monthly payment. I did not use my credit cards to pay all of my medical bills, because, first - I didn't have enough available credit and second - because of the interest I would accrue. Their collection methods are unethical. I paid in good faith and have not had an issue with any other medical entity that I've been paying regularly to. I felt strong-armed into paying with a credit card to avoid harm to my credit which is not the best to begin with. I've been working a long time to repair my credit.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: WI

Complaint narrative:
I took out a consumer loan with XXXX Bank. I was set up on auto pay using my credit card. At some point there was fraud on my credit card and a new card number was issued. However, I forgot that the old number was being used on my auto pay for the XXXX loan. When XXXX attempted to process the the monthly payment using the old number it of course failed. Instead of alerting me to this issue as every other credit granting company, such as either by phone, letter in the mail, email, text, or even an alert on the customer portal saying I was past due, XXXX did none of those things and just sat on their hands and after 30 days reported me to the credit bureaus as 30 days late. 
I have tried filing a complaint with the credit bureaus and XXXX with no success. 

I would have updated my payment method and brought my account current if I had just known about the issue sooner. 

XXXX failed in its legally responsibilities.

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 2023-02-21 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: WI

Complaint narrative:
I took out a consumer loan with XXXX Bank. I was set up on auto pay using my credit card. At some point there was fraud on my credit card and a new card number was issued. However, I forgot that the old number was being used on my auto pay for the XXXX loan. When XXXX attempted to process the the monthly payment using the old number it of course failed. Instead of alerting me to this issue as every other credit granting company, such as either by phone, letter in the mail, email, text, or even an alert on the customer portal saying I was past due, XXXX did none of those things and just sat on their hands and after 30 days reported me to the credit bureaus as 30 days late. 
I have tried filing a complaint with the credit bureaus and XXXX with no success. 

I would have updated my payment method and brought my account current if I had just known about the issue sooner. 

XXXX failed in its legally responsibilities.

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 2023-02-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: Chime Financial Inc
State: KS

Complaint narrative:
I have a checking account with Chime. When checking balances, the app nor the website show a running total for your account balance. When a company places funds on hold, the money is deducted from my checking account, but when the hold is taken off it is not placed back in my account. Chime just cancels/removes the hold and funds are not added back. Chime told me they were added but when I asked them to send me something showing the balance was added back they failed to produce any proof. Since Chime doesnt show a running account balance I was unable to see the funds added back, but they told me they could see it and could not provide any other proof other than their word. So now Chime has made {$100.00} off of me because they never put the money back in my account. This happened to my friend as well with a hold from the same company as well. Chime took {$400.00} of her money though.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: NC

Complaint narrative:
Flagstar will not remove PMI when my current LTV is at 72 % without getting a {$750.00} appraisal done by them, on a home that was bought below current market value. they stated its a XXXX XXXX requirement. XXXX XXXX said its flagstar and the loan orginators reqsponsiblity. Either way a simple lookup at comps in the area will show its worth more. they do not disclose the appraisal requirement and per the attached letter it says the PMI is removed automatically at 78 %- it is not.

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 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
XX/XX/XXXX I tried to make a payment on my credit card. I put in the amount which was XXXX. I clicked ok. It took me to a 2nd screen where it had a make payment button. I clicked make payment and it took the full balance which was XXXX on a 0 % interest card. I immediately called to stop payment. They said they couldn't. It was escalated a few times and they all gave me different time frames of 4-11 days to be taken care of. So I waited trusting the company. I received a call Wednesday saying I'd get a call Friday to let me know what was going on with it. No call. Monday was XXXX XXXX XXXX so I called Tuesday. They said they had no claim number. And nothing was escalated. Then I was told yes it might take 30 days. Which I was never told. The application itself is made in a predatory way to trick you.. I feel like an XXXX for trusting Wells Fargo at all but I consider myself a savvy person. It seems I was wrong.

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 2023-02-21 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: NC

Complaint narrative:
I am a natural person, I am a living human being, I have rights under 15 USC 1681.

Equifax is govern by 15 USC 1681. And they violated my rights numerous of times. I demand the accounts listed below be removed because According to 15 USC 1681 : I have the right to privacy and I did not give Equifax written permission to furnish these accounts Accounts : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I did not consent to, or authorize nor benefit from any of the following inquiries. This is caused by identity theft. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Date of Inquiry 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 2023-02-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CL Holdings LLC
State: OK

Complaint narrative:
I have paid my debt to XXXX wireless and yet I have fraudulent collections agencies contacting me, such as Jefferson Capital Systems, a highly fraudulent collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account status incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been unable to determine the Past Due Payment Amount on my Capital One Account. Capital One does not indicate anywhere on the statement ( Printed or Web Portal ) the amount of the Past Due Payment. In fact in the " Payment Information '' Section on the Statement, the only information provided is the Payment Due Date, New Balance, and the Minimum Payment Due. Capital One does not indicate anywhere in the " Payment Information '' Section that the account is past due or the Past Due Payment Amount. In fact, looking at the information printed in the " Payment Information '' Section, my account appears to be " CURRENT ''. To me this is practice by Capital One is " DECEPTIVE ''.

I have had many Credit Cards in my lifetime and all the Credit Card Companies I have worked with, always indicate the Past Due Payment Amount. If Capital One would have indicated this information in the Payment Section of the Statement, I would have at least made the past-due payment amount in order to keep my account from being Reported the Credit Reporting Agencies .

Because this common information was not provided in the Payment Section or anywhere on the Capital One Statement, I have been reported delinquent to the CRA by Capital One.

Because Capital One " FAILED '' to release this information, I have been injured as a " CONSUMER ''. In my line of work, I must keep my credit report in good standing in order to renew my Profession License each year. The FAILURE of Capital One places my lively hood in JEOPARDY!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-21 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: IL

Complaint narrative:
To whom it may concern : I am writing to update/correct my personal information on file with your company.

Please update my address to : XXXX XXXX XXXX XXXX XXXX, IL XXXX Please update my name to XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XXXX I do not wish to have any telephone numbers on my report. 

Below are the negative account/accounts impacting my credit XXXX XXXX XXXX XXXX XXXX  {$5500.00}

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 2023-02-21 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WA

Complaint narrative:
I try to check my credit reports a couple times a year to be sure they are correct. Noticed over 2 years ago company under third party I never heard of on my report. Sent notice to Transunion and request to remove. Not only did I not know the company but the info was over 12 years old. Transunion has locked me out of my account for over 2 years now stating they can't verify. I got in 1 time through your yearly credit report and they locked me out again. Don't know what is going on with them but apparently I am not the only person they have done this to. I can't check for errors like they had on my report if I can't get in. They whole third party was weird and I think someone at Transunion may be connected to them and that is why they are doing it.

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