vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-11-22 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: CITIBANK, N.A.
State: DE

Complaint narrative:
Good morning. 
I made a minimum payment due on my credit card account last month as I was not going to have enough money in my Bank checking account on the XXXX due date. I checked ( screenshot from Citi attached ) after making my payment, and " Citi Told me '' no Payment was due any further after the payment. 

Issue : Yet, on my due date, Citi still withdrew using XXXX. I ended up paying Double of what I wanted to and Double of what I needed to. 

Unfair and deceptive acceleration of paydown of my 0 % XXXX balances despite clear disclosure : I have a 0 % XXXX XXXX which Citi paid off deliberately faster taking away that benefit and also putting me in jeopardy of getting a returned check on my Checking account. All this, AFTER Citi informed me in plain XXXX that my XXXX XXXX after the payment was {$0.00} ... Why? - Please refer attached screenshot. I would only use XXXX to " Pay what was DISCLOSED to me on my Statement and nothing more ''. Why should I prepay what is not due. Especially when my balances are all at 0 % APR?? 

If I didn't have money in Checking account, would I be assessed a returned check fee by Citi, is that also why XXXX withdrew more money than was due? Bad revenue stream. 

Deceptive disclosures elsewhere : There are other places Citi uses words like they 'may ' do this or this 'may ' work or not. Such disclosures are very deceptive. As a Bank, " don't you know ''? And should a customer not know, or is it a guessing game? As a customer I should be " empowered by my Bank '' to be financially responsible and " certain about the outcome of my financial decisions '', not be guessing. the only reason someone uses terms like 'may ' are if they are a lawyer or " if they just don't know ''. 
So please it would be helpful if you changed some of that language. Regardless, the attached screenshot indicates that I owed Nothing and yet XXXX withdrew- so that was misrepresentation by Citi. 

Continued issues : I am astounded by what Citi is doing. Last month, I was charged interest even though I was paid in Full and all my balances/transactions in the last XXXX cycles were at 0 % XXXX. Just Disputing a charge which also got resolved moved my balances to standard XXXX bucket, and gets me to assess interest? Unethical. 

A lot of things so seem to be running with band-aids. Please don't wait for them to rip off.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: LEXISNEXIS
State: IL

Complaint narrative:
I continue to go back and forth with the credit reporting agencies regarding these accounts that don't belong to me. Was told to submit my information to the CFPB for assistance. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
I have been disputing items on my report since XXXX with no prevail. My credit score dropped because an account that is a charge-off ( after 120 days ) is still reporting open on 2 of the 3 Bureaus. This had affected my credit score significantly. Please help me fix these issues. I know they are in violation of my rights, but NO ONE will fix 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 explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: National Credit Adjusters, LLC
State: IL

Complaint narrative:
I have never had this account. Someone has opened accounts in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: EQUIFAX, INC.
State: FL

Complaint narrative:
According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), " You are Required by Federal Law to Verify through physical Verification of the Original Signed Certified Consumer Contract of Any and All Accounts You request to be reported on any Credit Report '' ... Please verify and remove the inaccurate accounts below. 

I have already disputed with the bureaus on XX/XX/, and XX/XX/ but they did not remove the items below. 

Sec. 602 FCRA States " I Have A Right To Privacy '' XXXX XXXX Account Number : XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX XXXX XXXXXXXX Account Number : XXXX XXXXXXXX XXXX XXXX XXXX Account Number : XXXXXXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX XXXX XXXX Account Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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:
In accordance with the Fair Credit Reporting act the following listed accounts has violated my rights. 
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 XXXXXXXX 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: NC

Complaint narrative:
In accordance with the Fair Credit Reporting act the following listed accounts has violated my rights. 
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 XXXXXXXX 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

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 2022-11-22 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: Shellpoint Partners, LLC
State: FL

Complaint narrative:
I bought my home in XXXX. I fell behind in XXXX of XXXX. I do not have a deed recorded in my county. I have sent my lender a qualified written request requesting information about the origination of my loan. I sent the qualified written request on XX/XX/XXXX. On XX/XX/XXXX I received a letter stating they are refusing to answer. I would like information regarding the origination of my loan and chain of title. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 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: Consumer Financial Services
State: WI

Complaint narrative:
On XXXX XXXX I was approved for a joint auto loan. My banking account was used for all the payments for the whole duration of the loan. I made all my payments on time and had no major problems until XXXX of XXXX. I was told I had {$460.00} balance remaining on my loan from XXXX of XXXX, Consumer Financial Service of XXXX, IL never contacted me or show this balance on any of my recipients before XXXX of XXXX. This company falsified payments and the amount paid to all three credit bureaus. As of today XXXX XXXX this auto loan is currently open on my XXXX XXXX account with a balance of {$460.00} with the wrong Lender contact information. I have this auto loan paid-In full as of XXXX XXXX. I dispute both XXXX and XXXX Credit Report on XX/XX/XXXX On XXXX XXXX I filed a complaint with the XXXX XXXX XXXX  as well. I spoke with Consumer Financial Service on the following dates ; XXXX XXXX XXXX XXXX, XX/XX/XXXX and XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX via phone which were recorded and save because of previous inaccurate information given to me on several different calls. The Lender Change the date to XX/XX/XXXX with the credit bureaus for my auto loan approval date and didnt report my last car payment for the month of XX/XX/XXXX. Its so much fraudulently activity taking place within the company its ridiculous. The Lender refused to call XXXX credit Bureau to close this account that is currently open..stating they dont report to XXXX credit Bureau. I received conflicting information on which credit bureaus this lender report payment history too. This company has destroyed my credit score and stole money from me as well

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Credit Systems International, Inc.
State: NJ

Complaint narrative:
A collections account appeared on my credit report for {$940.00} with CREDIT SYSTEMS INTERNATIONAL. The original creditor is XXXX XXXX XXXX. This is a fraudulent account as a result of identity theft. I filed a dispute with XXXX who flagged the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I keep sending mail but I am not getting any responses so I decided to file this complaint. My name is XXXX XXXX XXXX and I am the one filing this complaint not some company or not any other third party. I declare under penalty of perjury ( under the laws of the United States, if executed outside of the United States ) that the foregoing is true and correct to the best of my knowledge. Further, I certify that I am permitted by FEDERAL and STATE LAW to file this dispute. I also understand that knowing and willful misstatements or omissions of material facts constitutes a FEDERAL CRIMINAL VIOLATION punishable under 18 U.S.C. 1001. Additionally, these misstatements are punishable as perjury under 18 U.S.C. 1621. The items found within my credit report that I listed on the following pages are not related to any transaction that I made. I am alleging that a person or company- without my authorization- used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some accounts. All is being investigated by the FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Resurgent Capital Services L.P.
State: MN

Complaint narrative:
Re- XXXX this is the XXXX consecutive time I have asked you For information pertaining to this so called debt that you say I owe! You are unable and have not provided me XXXX piece of evidence that I have asked you for that ties me to this debt right now you are a violation of the FDCPA I must warn you in writing remove this unverified account from all credit reporting agencies and cease and desist any further reporting on this account and DO IT TODAY or you would be sued for {$1000.00} if you dont believe me TRY ME Review the file if you dont believe me again try me

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: REGIONS FINANCIAL CORPORATION
State: LA

Complaint narrative:
On yesterday my account started off in the negative, I deposited money via atm and an instant payment deposit to cover the balance. Regions posted and unposted several items in attempt to charge me an NSF fee. Upon reviewing my account I was charged and NSF fee when I had a positive balance on the account.

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 2022-11-22 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have sent over to all 3 credit bureaus dispute request to update my late payments to current for these accounts listed below. 

Due to The CARES Act, which was signed into law XX/XX/XXXX, XXXX amends the Fair Credit Reporting Act ( FCRA ) to stop adverse credit reporting during the XXXX crisis- but only under specific circumstances ( See 15 U.S.C 1681s-2 ( a ) ( 1 ) ( F ). ) ( I ) Accommodation The term accommodation includes an agreement to defer 1 or more payments, make a partial payment, forbear any delinquent amounts, modify a loan or contract, or any other assistance or relief granted to a consumer who is affected by the coronavirus XXXX XXXX ( XXXX ) pandemic during the covered period. 

( II ) Covered period The term covered period means the period beginning on XX/XX/XXXX and ending on the later of ( aa ) 120 days after XX/XX/XXXX ; or ( XXXX ) 120 days after the date on which the national emergency concerning the novel coronavirus XXXX ( XXXX ) outbreak declared by the President on XX/XX/XXXX under the National Emergencies Act ( 50 U.S.C. 1601 et seq. ) terminates. 

( ii ) Reporting Except as provided in clause ( iii ), if a furnisher makes an accommodation with respect to 1 or more payments on a credit obligation or account of a consumer, and the consumer makes the payments or is not required to make 1 or more payments pursuant to the accommodation, the furnisher shall ( I ) report the credit obligation or account as current; or ( II ) if the credit obligation or account was delinquent before the accommodation ( aa ) maintain the delinquent status during the period in which the accommodation is in effect; and ( bb ) if the consumer brings the credit obligation or account current during the period described in item ( aa ), report the credit obligation or account as current.

( iii ) Exception Clause ( ii ) shall not apply with respect to a credit obligation or account of a consumer that has been charged-off.

Due to this law I fall within the accommodation '' and coverage period.

Late payments should not reflect my credit report during the periods listed in this law. I have asked for these late payments to be updated to as current or removed. I fell behind and was able to become current with both accounts.

I DO NOT WANT THE ACCOUNTS DELETED JUST THE LATE PAYMENTS. 

First reported late payment in XXXX, ( XXXX ) which is determined within the 120 days. Actual late payment began from XX/XX/XXXX. 


XXXX XXXX XXXX Dates : XXXX XXXXXXXX XXXX XXXX XXXX XXXX XX/XX/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 2022-11-22 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
In accordance with 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. 
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 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 non-monetary relief
Consumer complaint received 2022-11-22 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: 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. 
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 has violated my rights. 

1

5 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 2022-11-22 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Waypoint Resource Group, LLC
State: CO

Complaint narrative:
Called WAYPOINT RESOURCE GROUP to get proof of debt nothing has been received the representative was rude and when I asked to verify the address they had he got mad and hung up on me this is not right I asked for it to be deleted and they said it's not they problem then have protocols.

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 2022-11-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I'm really not sure what happened. I have mailed off letters to the credit bureaus continuously and thus far I have not gotten a response. My name is XXXX XXXX I am filing this complaint for falsely reporting misleading information. There is no third party involved. Please review the uploaded letters.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-22 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Citi Credit Card AAdvantage Platinum Select- Credit card cancelled my card and filed a complaint on my credit report after paying the amount past due. Amount past due was for a yearly {$100.00} fee to be a card member. I was never made aware of the cancellation nor the report on my credit.

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 2022-11-22 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Law Offices of Hayt, Hayt & Landau, LLC
State: NV

Complaint narrative:
I recently received a letter from Hayt, Hayt, and Landau ( without being properly served ) for a NOTICE OF XXXX XXXX XXXX XXXX XXXX XXXX. I was initially very confused about what this was about, but after some digging, I found it pertaining to a XXXX judgment ( XXXX of XXXX  ) that I didnt know existed from an old credit card account for a few XXXX dollars that were a result of identity theft. 

Back in XXXX, someone charged over {$4000.00} to a credit card account with XXXX XXXX. This was immediately worked out with XXXX XXXX and there isn't any debt owed. Hayt, Hayt and Landau are illegally attempting to collect this debt and are trying to sue in order to collect. I have been sent a letter asking to attend an XXXX XXXX XXXX XXXX XXXX XXXX This is illegal and needs to be canceled ASAP. 

Therefore, Hayt, Hayt and Landau violated the following : 1. Illegally attempting to collect a debt that is not owed 2. Trying to sue me to collect a debt that is not owed 3. Attempting to take me to court over a debt that is not owed 4. Illegally attempting to collect a debt after the statute of limitations has run out Upon researching this firm, they have been sued for faking intent to take depositions against individuals and rarely, if ever, went through with the deposition. Per the linked article below, this firm schedules 30-90 depositions within a XXXX time slot, but only XXXX % of individuals actually show up as notified. Of those who appear, only 2 % actually had a deposition taken. 

1. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation