vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
I have a credit card from Barclays Bank and have maintained this account in good standing since XXXX. 

However, entirely because of Barclays repeated failure to follow its stated policies and stand behind what its representative assured me by phone would happen, I have been charged {$59.00} in fees plus interest of {$47.00}. 

Twice, I wrote to the company with the details, and both times the response has been a form letter essentially suggesting that nobody cares. 

On XX/XX/XXXX, I mailed a check for {$5200.00} to Barclays which more than covered my balance, due 13 days later, on XX/XX/XXXX. On XX/XX/XXXX, Barclays received my check. 
Barclays did not present the check to my bank. 
Barclays did not credit the payment to my account. 
Barclays did not give its own relationship managers any way to know that it had received this check. 

On XX/XX/XXXX when I noticed my payment was not credited, I called and talked to Barclays Relationship Manager XXXX. He advised me to stop payment on my check, which apparently had been lost in the mail. He told me that if the check somehow were presented to my bank and returned, Barclays would waive any fee for that. 

On XX/XX/XXXX, I still had no way to know that 16 days earlier, Barclays had received my check. I determined that it had not been presented to my bank, and I instructed my bank to stop payment. This is what Barclays had instructed me to do, and XXXX charged me {$30.00}. 

Later that same day, I spoke to another Barclays Relationship XXXX, XXXX, who told me the check had been credited to my account the previous day. She also told me that Barclays had begun trying to verify the check on XX/XX/XXXX. 

On XX/XX/XXXX, I wrote a detailed letter to Barclays following the instructions for doing so that are printed every month on my statement. In return I received a form letter stating : We are currently unable to complete your request. The letter instructed me to call customer service. 

I did so and spoke with still another Barclays Relationship Manager who told me the {$29.00} returned payment fee was valid and could not be waived. 

On XX/XX/XXXX, Barclays charged my account {$47.00} for interest charge on purchases even though my account had been fully current since XX/XX/XXXX. ( One month earlier, on XX/XX/XXXX, Barclays charged me {$130.00} interest. Later, without any explanation, Barclays reversed that charge. ) I have tried to resolve this by letter and by telephone, without success. The problem was entirely caused by Barclays, not by 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 2023-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Incorrect information on your report — Account status incorrect
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX Citi responded stated they will be reporting me as an authorized user. This has not been done to date and it has been past thirty days ( 30 ). In the letter is states " Although we do not report Authorized User for Citi accounts to the credit bureaus ... .. That information appears to be a direct contradiction to the XXXX XXXX XXXX XXXX XXXX and XXXX. It states " A card issuer must report the authorized user account to the three nationwide consumer report agencies... Please advise as soon as possible.

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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
identity theft on my credit report 15 U.S. Code 1681 XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 2023-03-20 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Collected or attempted to collect exempt funds
Company: Collection Management Holdings, LLC
State: VA

Complaint narrative:
This morning I woke up to check my bank account. I realized my credit score had gone from XXXX to XXXX overnight. I viewed my credit report and was a {$900.00} debt I owed. I called the lender they did get my social security number. I asked them where the charge was from they said it was medical. I then asked what name was the hospital called. He even spelled it out for me multiple times. XXXX XXXX. Never in my life have I gone to a hospital named that. I ended up googling XXXX XXXX  and a hospital in Ohio popped up. I live in Virginia, Ive never even been to Ohio. I kept telling him please explain why Im getting charge for something out of my state. He started getting frustrated he said if I dont pay my debt hes going to get the police involved. He hung up on me. A couple minutes later he called me back trying to get all my personal info once again. I kept telling him Ive never been to that hospital and he literally goes well what hospitals have you been to? I asked him why he would ask that I told him he sounds like a scammer and he hung up once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: EQUIFAX, INC.
State: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report, which I recently obtained and reviewed. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies ( CRAs ) maintain accurate information in credit reports. However, I have found that there are several inaccuracies in my report that are in violation of the FCRA. 

Firstly, the following personal information is incorrect and belongs to someone else : Account Number : Former : XXXX XXXX XXXX Account Number : Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX Employers : XXXX XXXX XXXX Employers : XXXX XXXX Employers : XXXX Under the FCRA, CRAs are required to investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I request that you delete this inaccurate personal information from my credit report as soon as possible. 

Additionally, there is an unknown account listed on my credit report : Account Number : XXXX XXXX XXXX XXXX XXXX I have never had any business relationship with this company, and therefore this account does not belong to me. Under the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. I kindly request that you remove this unknown account from my credit report immediately. 

I understand the importance of maintaining accurate information on my credit report, and I urge you to comply with the FCRA by conducting a thorough investigation and correcting any inaccuracies in my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
Macy 's continue to bate and switch with my rewards, false advertising, and I am a platinum member whom spend about XXXX a month and has never been late or behind and I always pay more than the minimum the overseas counter part never gets the info correct and also now my card is tied up with an order that was canceled and if the XXXX order was canceled then i should be at a XXXX balance I had XXXX rewards points when the double point and the triple point was on so now not only did I get the things for my house warming party but they have ruined the decor in my new home and my family as well as myself is considering not shopping with Macy 's and I am also considering closing my card even though I love shopping at Macy 's. Their Lack of communication is horrible The old system is difficult to deal with, no alert not notices until a day later. I need someone with authority to call me my discount that was given to me was used on an order which was cancel and then when I went to replace and use the code no good I also shopped during the double/triple points I have over XXXX point pending and now they are gone I want points and my items I needed for the party and house warming that they ruined. they have cancelled several orders this is not the first time.

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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, I am a victim of identity theft. I submitted my initial dispute well over 30 days ago and still have fraudulent information on my credit report. I need this fraudulent information removed from my credit report within 4 business days. 

Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXXXXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX INQUIRY DATE XXXX XX/XX/2022, COMPANY NAME : XXXXXXXX XXXX XXXX XXXX INQUIRY DATE XXXX XX/XX/, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX XXXX INQUIRTY DATE : XX/XX/, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CO 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 2023-03-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX, I am a victim of identity theft. I submitted my initial dispute well over 30 days ago and still have fraudulent information on my credit report. I need this fraudulent information removed from my credit report within 4 business days. 

Account Name : XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX  Account Number : XXXX, Account Name : XXXX XXXX XXXX XXXX Account Number : XXXX, Fraudulent Inquiries : COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX XXXXXXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX INQUIRY DATE XXXX XX/XX/2022, COMPANY NAME : XXXX XXXX XXXX XXXX INQUIRY DATE XXXX XX/XX/2022, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX XXXX  INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX XXXX INQUIRTY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXX INQUIRY DATE : XX/XX/2022, COMPANY NAME : XXXX XXXXXXXX INQUIRY DATE : XX/XX/2022, Fraudulent Addresses : XXXX XXXX XXXX XXXX XXXX, CA XXXX, XXXX XXXX XXXX XXXX XXXX, CO XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: MicroBilt / PRBC (formerly CL Verify)
State: MO

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 XXXX XXXX Account XXXX : XXXX, Account name : XXXX XXXX XXXX Account XXXX XXXX XXXX, Account name : XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number XXXX XXXX, Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX XXXX Account name : XXXX  XXXX Account Number : XXXX, Account name : XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX  XXXX Account Number : XXXX, Account name XXXX XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX XXXX Account Number : XXXX, Account name : XXXX  XXXX Account XXXX : XXXX, has violated my rights. 15 U.S.C 1681 section 602 A. States I have the right to privacy. 15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 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 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 2023-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Law Offices of Gary A Bemis APC
State: CA

Complaint narrative:
I switched health insurance companies from XXXX to another provider. Health insurance is paid up front for the next month which had been paid until the switch to another provider. XXXX is claiming I owe them another month in the amount of {$1700.00} plus interest of {$94.00} and have employed multiple debt collection agencies to collect on services they did not provide. 

One of these collection agencies, XXXX XXXX XXXX, has sent a collection notice threatening legal action if not paid within 10 days without providing an explanation of goods or services provided by XXXX, my rights as a debtor who has 30 days to dispute nor a " tear-off form '' to dispute the alleged claim.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 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: U.S. BANCORP
State: NY

Complaint narrative:
I got an email from XXXX about an inquiry so I logged to check it out and I know I did not try to open anything in the last 2 months. This was an attempt today thru elan financial services. And it said XXXX. Don't know if that was for a car or a credit card. When I called the number listed it seems to be a personal phone number. XXXX. I called XXXX to issue a fraud alert. And they told me to get a report with ftc.

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 2023-03-20 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: TX

Complaint narrative:
I had attempted to reach out to ; Experian about another mess up, and injustice surrounding my credit report! Just to get another stupid response! For as long as I know, and been doing business with all three agencies! When it comes down to the credit score, there shouldn't be any confusion, deceptions, and nor mixed up at all! Experian is now literally attacking my credit score! In this matter, I've made countless efforts to : get my balances down, and lower utilization ratio! However, Experian refuses, and intentionally leaves my score untouched on purpose! Both XXXX, and XXXX has increased my credit score ; as a result of my balances declination, and lower usages status! Oh No, Experian isn't having it, and can care less : about my tremendous efforts, towards getting my credit report decent! All this does is add ; additional insult to injury, to my health, and myself personally! These types of misconduct, renditions, madness, and retaliations backlash has got to stop, CFPB!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: CITIBANK, N.A.
State: MA

Complaint narrative:
I went to Homedepot in XXXX MA XXXX purchase some granite Countertops for my Kitchen. I was offered to finance the granite countertops at a promotion of 24 month interest free, the granite was purchased with a Home depot credit card provided by Citibank I was never given any paperwork since the transaction went through as a regular creditcard transaction and they asked me to sign the key pad and the lady at Home depot didnt read any terms of the transaction. I accepted the promotion but was not told that after the 24 months promtion ended I would have to pay the interest generated during the 24 month promotion period. 
the bank didn't fullfill their promotion and only gave me six months interest free. I called the bank and asked why did they changed from 24 months interest free to six months. the bank said it was a mistake and said they would fulfill the promotion to 18 months. I explained to the bank that they had offered me 24 months interest free at Homedepot. they said that they could only do 18 month and they never mentioned anythying about the interest it would generate at the end of the Promotion. In XXXX of 2023 I noticed there was $ XXXX of interest to the balance. I called the bank and tried to reason with them about the interest added. their response was that the promotion was over and that the interest was generated througth the 18 months. i explained that they offered me 24 month interest free at the store. and that the interest was never mentioned to me. the bank said that they could not extend the promotion because they had already extended from XXXX months to 18 months interest free. Citibank did not honor the promotion. i offere to keep paying the balance which was aproximately $ XXXX if they removed the {$1100.00} added to my balance I have always made payment and have always made payments exceeding the minimun that citibank would require monthly.I decided to cancel the credit card and have stopped making payments until they remove the interest that they added. my promotion has not reached the 24 month interest free that was offered to me and I was never told that the account would generate interest throughout the promion period, why did the offer me 24 months interest free if the account generates interest and that interest is added to the account. that is mileading. at the moment I am barely making ends meet and connot afford that extra {$1100.00} in interest. i can keep paying the original ballance if they remove the {$1100.00} interest plus the fees that the acount has generated up to present day. 

please help

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 2023-03-20 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: NC

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, North Carolina XXXX Date of Birth : XX/XX/XXXX SS # : XXXX Dear Sir/Madam, I am writing to dispute several items on my credit report, which I recently obtained and reviewed. The Fair Credit Reporting Act ( FCRA ) requires that consumer reporting agencies ( CRAs ) maintain accurate information in credit reports. However, I have found that there are several inaccuracies in my report that are in violation of the FCRA. 

Firstly, the following personal information is incorrect and belongs to someone else : Account Number : Former : XXXX XXXX XXXX Account Number : Former : XXXX XXXX XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX XXXX, NC XXXX Previous Address ( es ) : XXXX XXXX XXXX XXXX, VA XXXX Employers : XXXX XXXXXXXX XXXX Employers : XXXX XXXX Employers : XXXX Under the FCRA, CRAs are required to investigate and correct any inaccurate information within 30 days of receiving a dispute. Therefore, I request that you delete this inaccurate personal information from my credit report as soon as possible. 

Additionally, there is an unknown account listed on my credit report : Account Number : XXXX XXXX XXXX XXXX XXXX XXXX have never had any business relationship with this company, and therefore this account does not belong to me. Under the FCRA, I have the right to dispute any information on my credit report that I believe to be inaccurate or incomplete. I kindly request that you remove this unknown account from my credit report immediately. 

I understand the importance of maintaining accurate information on my credit report, and I urge you to comply with the FCRA by conducting a thorough investigation and correcting any inaccuracies in my credit report. 

Thank you for your time and attention to this matter. 

Sincerely, 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