vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-12-30 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
Trans Union XXXX and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - Please verify by providing my XXXX copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 



Trans Union, XXXX, and XXXX have 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 an 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 or 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 data 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 2023-12-30 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: NY

Complaint narrative:
XXXX XXXX Experian and XXXX have violated my consumer rights, and I have provided proof multiple times. But unfortunately, these companies believe themselves to be higher than the law itself. 

Who is going to govern these agencies? 

By 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 - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 

XXXX - XXXX - THIS ACCOUNT IS INACCURATE, I DID NOT INCUR ANY LATE PAYMENTS. PLEASE UPDATE TO PAID ON TIME XXXX  - XXXX - Please verify by providing my color copy of my ID, provide my wet signature, and the original contract. or DELETE THIS ACCOUNT IMMEDIATELY. 



XXXX XXXX, Experian, and XXXX have 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 an 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 or 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 data 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 2023-12-30 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: DE

Complaint narrative:
My credit card was charged XXXX ( duplicate charge ) by XXXX XXXX hotel XX/XX/XXXX XXXX and XX/XX/XXXX XXXX. I only stayed on XX/XX/XXXX. I first called on XXXX after the hotel did nothing to help. I have been calling Citibank every other week and they have not resolved my issue. I want the XXXX refunded to me. Citibank keeps telling me to wait.

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 2023-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
I opened a checking account in Citibank on XX/XX/XXXX, and deposited {$50000.00}, and maintained that balance for 90 days, as required by the promotion at the time, which claimed to XXXX a cash bonus of {$500.00} if the actions described above were done. 

On XXXX, XXXX I called to verify that the terms were fulfilled and that I could move the balance to another account and that I should receive the money soon. They confirmed both inquiries positively. 

As months passed without any deposit from them, I called again. I was told that it was a matter of time but that I in fact should receive the cash bonus. 

However, starting XXXX, the bank started to claim that they did not keep record of promotions older than 6 months and therefore required me to send the terms and conditions of the promotion in question to receive the money. 

This is a fraud. I kept thousands of dollars in an account that gave almost no interest to receive the benefit that they have not fulfilled. Their claim is also a lie since even I have access to tens and conditions of promotions older than what they claim : https : 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 2023-12-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Incorrect information on your report — Account information incorrect
Company: OneMain Finance Corporation
State: IN

Complaint narrative:
in accordance with the Fair Credit Reporting Act this creditor has violated my rights under 15 USC 1681 section 6 o 2 states I have the right to privacy ( 15 USC 1681 ( section 6 0 4 a section 2 ( it also states a consumer reporting agency can not furnish an account without my written instructions under 15 USCS 1666b a creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Kriya Capital, LLC
State: FL

Complaint narrative:
On the XXXX XXXX XXXX I spoke with representative of Credence resource management about an allege bill with XXXX XXXX. In that conversation I was provided an email to send to them to verification from the hospital the bill was settled. I provided it on the XXXX XXXX XXXX  and on that day they still reported my account as delinquent even though I provided them with the information and paperwork stating stating other wise. It has negatively affected my score XXXX XXXX. Even in conversation Credence told me they would report until XXXX latter and would give me time to get them the info. They reported that same day and I got them the info once they sent the correct email address

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: OH

Complaint narrative:
On XX/XX/XXXX I applied for the income driven repayment plan on the federal student aide website. I am approved and my payment is set to XXXX dollars. In XXXX, I faxed my PSLF form in. 
I began receiving notices about resumption of student loan payment. On XX/XX/XXXX I logged into MOHELA and saw that MOHELA did not have me enrolled in the IDR and did not have my most recent PSLF, even though both were submitted months ago. I resubmitted both on MOHELAs site on XX/XX/XXXX. Then a few days later I received a bill for over XXXX XXXXXXXX. I thought that MOHELA was still processing my IDR. I received an email dated XX/XX/XXXX stating my payment is late. 
I then logged into the FSA site and I am listed as being in the IDR and having a XXXX dollar monthly payment - as I should be. I then recertified for the XXXX dollar IDR on the FSA site. 

Then I logged into MOHELA. MOHELA states I am late for the > {$600.00} payment and have another due in XXXX- this should not be the case! MOHELA lists the XX/XX/XXXX IDR application and PSLF as received but NOT processed, which means they are going to keep charging me!

Why is MOHELA permitted to charge me > XXXX XXXX when the Federal Student Aide site has me on their site as XXXX XXXXXXXX IDR? 

I can not afford to pay this. I am a community XXXX XXXX XXXX XXXX XXXX XXXX XXXX raising XXXX kids on just my income. I work for a nonprofit saving lives and keeping families together every day. And I have to worry about MOHELA stealing from me? MOHELA is negligent and/or fraudulent and ruining my credit. I do not deserve this. My children do not deserve this. My XXXX  do not deserve this. My community does not deserve this. 

Please help me to get this resolved as soon as possible.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Electronic communications — You told them to stop contacting you, but they keep trying
Company: CL Holdings LLC
State: FL

Complaint narrative:
I left XXXX in 2019 because somebody tried to buy something in Texas with my Credit and it's been XXXX years and haven't heard anything because I had put in a fraud alert with them and now Jefferson capital is trying to collect on it and I know that it's a XXXX  statue of limitations on Debt on a cell phone

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: HYUNDAI CAPITAL AMERICA
State: NC

Complaint narrative:
I bought Genesis XXXX on XXXX. On XXXX I dropped off at the Genesis Dealership in XXXX after a significant failure with the electrical system. I was provided a loaner car but after they were unable to fix it after 7 weeks, I started the buyback process for the " Lemon Law ''. They approved the buyback in XXXX, and I signed the final paperwork on XXXX. I had to keep making payments and the refund from warranty cancellations was sent to Genesis Finance so there was a significant overage due back to me. I called Genesis Finance on XXXX and they said it would be 30 days before I would receive the overage refund amount of {$9700.00}. 
On XXXX I received a check for {$910.00} and called Genesis Finance about the other {$8800.00}. They told me since the amount was over {$2000.00} it needed special approval. I asked them to please expedite as it has already been 30 days. I asked for a call back with an ETA on the check and provided my own Fedex account number so I could get the check faster. 
During the month of XXXX, I called at least 7 times. I was always able to speak with Customer Service, but no one could actually get anything done. I kept being told it was being escalated but no one would call me back and nothing would change. The last thing I was told on XXXX is that it was being escalated to the highest level and someone would call me within 5 business days. I called 2 more times since the XXXX weekend and get the same response. 
The only thing more infuriating than not getting my money back is a company that actually does have the manpower to answer calls with little wait time and the people are very nice, but nothing gets done. I would have more understanding if they were short employees and were behind on getting things processed but this is nothing short of gross incompetence. 
It has been over 60 days and Genesis has not called me back one time and I still dont know when or if they are going to send me the {$8800.00}, they admit they owe to me. I hope the CFPB can help me get my money back.

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 2023-12-30 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
I received an American Express gift card as a present- the card advertises it can be used anywhere American Express is accepted. However, it gets declined everywhere no matter how much I try to spend. American Express said there is no hold on the card. The full balance is available but the card is rejected everywhere and doesn't actually let me spend anything.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Trouble accessing funds in your mobile or digital wallet — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I sold only XXXX things on pay pal and had gotten a complaint so they held my money once I worked things out with the customer and they were happy and the customer dropped the complaint I then called PayPal and they released my money I then thought everything was ok a week went bye and i was trying to make other sales and it said my pay pal account has been terminated after a review of my account and they were holding the remaining XXXX XXXX I have left in my account for XXXX  days I called the lady said there's nothing they could do I asked for a supervisor and they said the supervisor couldn't help me neather and only would tell me they terminated my account after reviewing it and never a real reason this is not right when my customer them selves contacted PayPal and dropped the complaint so no PayPal has a right to steal my money for XXXX I don't agree

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-12-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: CITIBANK, N.A.
State: NV

Complaint narrative:
Dear Consumer Finanical Protection Bureau, I am writing to express my deep concern and frustration regarding the discriminatory treatment I have experienced with Citibank. I believe that my account has been unjustly blocked on multiple occasions due to the use of a different phone number to contact your bank. This has resulted in severe inconvenience and financial distress for me. 

I first encountered this issue when I called Citibank using a different phone number. The initial representative I spoke to was not only unhelpful but also rude, and shockingly, they proceeded to block my account. Subsequently, I found myself unable to make purchases, withdraw money, or access essential features of my account. This situation has not only impeded my ability to manage my finances effectively but has also left me unable to meet my daily monetary needs and pay bills promptly. 

Throughout this ordeal, I have diligently cooperated with your customer service representatives and even learned that my phone calls were being monitored by Citibank 's quality control. Despite my inquiries, I have received no satisfactory explanation for the repeated blocking of my account. As a valued customer, I am entitled to transparency and information about the actions taken against my account. 

I am deeply concerned that these incidents may be rooted in discrimination, as I am an XXXX XXXX  customer who has been unjustly targeted. It is distressing to believe that such discriminatory practices are being exercised against me, preventing me from accessing and utilizing my own funds. 

I strongly urge Citibank to investigate this matter thoroughly and provide me with a detailed explanation for the account blocks. If these actions are confirmed to be discriminatory, I request an immediate resolution to rectify this situation and prevent any further discrimination against me as a customer. 

Failing a satisfactory resolution, I feel compelled to explore legal avenues to address this matter. Discrimination is not only morally reprehensible but also illegal, and I believe it is essential to hold institutions accountable for such actions. The repeated blocking of my account has placed an undue burden on my ability to access and utilize my own funds, leading to financial losses and significant inconvenience. 

In light of the circumstances, I am left with no choice but to initiate legal proceedings if a satisfactory resolution is not reached promptly. This potential lawsuit is intended to recover any financial losses incurred due to the account blocks imposed by Citibank due to threatening my account and blocking by discrimination. This has happened mutitple times.

I appreciate your prompt attention to this matter and expect a timely response. 

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 explanation
Consumer complaint received 2023-12-30 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: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Experian is directly emailing me and going around CFPB. The XXXX screen shots are of once again my extremely screwed up Experian account. Experian is not fixing my account because I am filing these complaints and doing investigation into this predatory company see this is there pattern. As of yesterday all information passed on to CFPB is also sent to my state rep and senator

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 2023-12-30 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Aldous & Associates, PLLC
State: SC

Complaint narrative:
I was contacted by Aldous and Associates about a debt that I needed to pay within the XXXX  day period so I wont get it put on collections. I paid within the XXXX  day window and they still put it in collections. I have asked multiple times to talk to a supervisor and they all lie every time and say that they are in a meeting. I was lied to by them and they still put my charge on collections even though I paid in full and it has negatively impacted my score for almost XXXX  years now

Company response to consumer: Closed with explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Trying to communicate with the company to fix an issue with the application process
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
Wells Fargo home mortgage failed to report all payments made on current mortgage to credit bureaus. Wells Fargo refused to remove the mortgage from bankruptcy after discharged due to XXXX XXXX  bankruptcy in 2011! Wells Fargo denied refinancing, unable to sell home, once again due to discharged bankruptcy in 2011! Home mortgage is locked into a bankruptcy that was discharged in 2011! Unable to navigate financially due to failed reporting, negligence and lack of customer service. Mortgage has been bought out now by XXXX XXXX, to which is still now locked into a bankruptcy case with a new lender! Requesting to be part of the class action settlement of Wells Fargo, for inaccuracy negligence rude disrespectfully being treated for years due to a divorce in 2011! Please consider this case into the class action suit as Wells Fargo home mortgage will not and has not communicated with me the homeowner with a discharged bankruptcy that was a 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 explanation
Consumer complaint received 2023-12-30 00:00:00
Product: Credit card — Store credit 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: Bread Financial Holdings, Inc.
State: MA

Complaint narrative:
I had an order totaling {$120.00}. I made a partial return totaling {$75.00} on XX/XX/23. There is a {$9.00} return fee so I should have received a credit of {$65.00} on my card. I paid the remainder of the bill and waited for my {$65.00} credit. On XX/XX/23 I received an email stating they received my return and were processing it. About XXXX week later I called and had to leave a message. Someone called back the following day, and I asked where my credit was on my card. They told me it takes XXXX business days and so I should wait another XXXX days. On XX/XX/23 I received a bill for {$66.00} ( {$65.00} plus interest ). I tried calling several times. When asking for customer service I am transferred to a medic alert promotion. I emailed and received a response to email more information, which I did. After that no one has gotten back to me. I am frustrated and closed my NY & Company card. I just want my card credited for {$65.00}. I returned some merchandise and they acknowledged that but are now trying to charge me for it plus interest.

Company response to consumer: Closed with monetary relief