vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
Hello, I find it highly problematic that Citibank is refusing to close client 's credit card accounts. I understand that they are trying to catch up with other big retail banks in the credit card business, but I think their business practises are highly unethical and unprofessional. My detailed experience is as follows. 

I signed up for a Citibank credit card a couple years ago. However, I didn't really like their offerings compared to their competitors, so I rarely used the Citi credit card. Last summer, I noticed a fraudulent activity on that card which prompted me to call Citibank to close my account. However, their customer service staff were extremely resistant with my request. They kept on going in circles asking me why I wanted to close the account and started offering me things I don't need in order to keep my account open. I was in a rush when I called, so I decided not to bother closing it. 

A year later, I decided to call Citibank again to close the account. They did the same tactic where they kept on asking me why I wanted to close the account. I answered, " I don't use your card and I want to close it ''. However, they refused to take that as an answer. They responded : " For compliance reasons, we need to know why you want to close the account ''. I said I already told them why I want to close the account. And then they started offering me 10,000 " ThankYou points '' to prevent me from closing the account. After wasting half an hour of my time, I became very impatient and I had to tell them, this is my account and I have the right to close it. I told them that I would report the to the regulators if they refuse to close my account. Only until then, they closed my account. 

I find their behaviour highly manipulative and unprofessional. I want to bring this to the attention of the regulators, as I think this is highly problematic and I have not experienced similar behaviour from other banks. 

Regards, 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 2023-05-02 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
My name is XXXX XXXX, this complaint is not made in error neither is it being made by a third party. I declare under penalty of perjury I am alleging that a person or company- without my authorization- from unauthorized use of my social security number and card used my personal identifying information to apply for goods, services, or money ; and, was successful in creating some account. I have no knowledge of this and all is being investigated by the FTC and Under 15 U.S. Code 1681b Permissible purposes of consumer reports I never gave any written consent to report anything on my consumer reports... no consent is fraud. Please delete the account : XXXX XXXX XXXX XXXX # XXXX XXXX CA XXXX, XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/2019 Balance : {$29000.00}

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 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: Incomm Holdings Inc.
State: NY

Complaint narrative:
My wife purchased a Vanilla pre paid Visa card for my birthday in XX/XX/2022. The card is blocked and I am unable to use it. I called customer service and they are telling me to do things that are totally impossible to do such as getting a receipt which I no longer have. I want the card activated so I can use it. I know when it was purchased and where it was purchased. I am not getting anywhere and I am out {$100.00}. Help!!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: IL

Complaint narrative:
hard inquiries where not authorized and are impacting my credit report severely.. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Experian XXXX XXXX XXXX XXXX XXXX Experian 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 Please help. I have a suspicion that My SSN is easily stolen due to the simplicity of the numerals

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 2023-05-01 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Incorrect information on your report — Account information incorrect
Company: Maximus Federal Services, Inc.
State: PA

Complaint narrative:
per the FCRA as a federally protected Consumer I am now Opting out of ANY and ALL Authorization I the consumer may have giving you Written, Unwritten, and none verbal agreement.

15 U.S. Code 6802 - Obligations with respect to disclosures of personal information U.S. Code Notes prev | next ( a ) Notice requirements Except as otherwise provided in this subchapter, a financial institution may not, directly or through any affiliate, disclose to a nonaffiliated third party any nonpublic personal information, unless such financial institution provides or has provided to the consumer a notice that complies with section 6803 of this title.

( b ) Opt out ( 1 ) In general A financial institution may not disclose nonpublic personal information to a nonaffiliated third party unless ( A ) such financial institution clearly and conspicuously discloses to the consumer, in writing or in electronic form or other form permitted by the regulations prescribed under section 6804 of this title, that such information may be disclosed to such third party ; ( B ) the consumer is given the opportunity, before the time that such information is initially disclosed, to direct that such information not be disclosed to such third party ; and ( C ) the consumer is given an explanation of how the consumer can exercise that nondisclosure option.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: IL

Complaint narrative:
A continuation of my harassment by I.C. System notwithstanding my prior complaint XXXX about a purported debt I do not owe. I received an I.C. System " Account Update '' dated XX/XX/XXXX ( attached ) stating ( in apparent response to my XX/XX/XXXX complaint XXXX ) : " confirmation that I.C. System will no longer pursue collection of this account and will return it to XXXX XXXX, Powered by XXXX. '' That caused me to accept that my complaint was resolved. That was wrong. 
Just 9 days after its XX/XX/XXXX " Account Update, '' I.C. System sent another collection letter dated XX/XX/XXXX ( attached ), purporting to be an " Account Validation. '' As purported " validation, '' I.C. System sent the same bogus XXXX invoice dated XX/XX/XXXX I.C. System previously sent to me on XX/XX/XXXX ( attached ). I informed I.C. System by letter dated XX/XX/XXXX ( attached ) that I had never previously received that XXXX invoice or any other communication from XXXX because I've never had a business arrangement with XXXX. I demanded in my XX/XX/XXXX letter, as I have in my XX/XX/XXXX letter, my XX/XX/XXXX letter, my XX/XX/XXXX letter and my XX/XX/XXXX XXXX letter ( each attached ) ( a ) evidence that I ever had a business arrangement with XXXX ; ( b ) proof that the modem on the bogus XXXX invoice was XXXX XXXX ; and ( c ) evidence I ever got the bogus XXXX invoice or any other communication from XXXX. No such evidence or proof has ever been furnished. I.C. System is engaged in consumer harassment without evidence or proof that I owe anything for XXXX or hold any modem that XXXX can prove it owns. I want this harassment stopped. I.C. Systems obviously undertook no diligence to verify I owed anything to or hold any property of XXXX. Yet I.C. System has persisted in harassing me for two years. If that is not consumer abuse, what is? I.C. System needs to be legally disciplined because, based on review of consumer complaints about I.C. System to the XXXX XXXX XXXX, harassing consumers to extract money they do not owe is an all too common and legally questionable tactic.

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 2023-05-01 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: PA

Complaint narrative:
I did not authorize XXXX to run my credit, this information is incorrect.

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 2023-05-01 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Southwest Credit Systems, L.P.
State: FL

Complaint narrative:
In accordance with the Fair Credit Reporting Act, this creditor has violated my rights. Under 15 USC 1681 section 602 states I have the right to privacy, 15 USC 1604a section 2, it also states consumer reporting agency can not furnish an account without my written instructions. I was informed from XXXX  that I was effected by the data breech. Now this false information is showing as a charge off which is NEGATIVE on my consumer report.

15 USC 6801-protection of nonpublic personal information ( a ) it is the policy of the congress that each financial institution has an affirmative and continuing obligation of respect to the privacy of it's consumers and to protect the security and confidentiality of those consumer ' nonpublic persona ; information ( b ) furtherance of the policy in subsection ( a ), each agency or authority described in section 6805 ( a ) of this title, other than the Bureau of Consumer Financial Protection , shall establish appropriate standards for the financial institutions subject to their jurisdiction relating to administrative, technical, and physical safeguards- ( 1 ) to insure the security and confidentiality of customer records and information ; ( 2 ) to protect against any anticipated threats or hazards to the security or integrity of such records : and ( 3 ) to protect against unauthorized access to or use of such records or information which could result in substantial harm or inconvienence to any customer.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NC

Complaint narrative:
I had a previous complaint XXXX This suppose to have been resolved. It was not. XXXX XXXX was suppose to have waived all the fees and correct my credit report. He was suppose to had sent me a copy of my mortgage that was redone with the rate of 3.75. He did not. Now they have sold my mortgage to another company adding more money than what I am suppose to owe. I sent them XXXX to them in XXXX stating that I am showing good faith that they would fix what they promised. They still did not fix it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
XXXX XXXX WAS FILED XX/XX/XXXX PREVIOUS CASE WAS DISMISSED XX/XX/XXXX DUE TO ROBO SIGNING ILLEGAL ASSIGNMENT TO XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
I opened the account in XX/XX/XXXX and they had a new card member special of spend {$500.00} within 90 days and get a {$100.00} statement credit. I spent {$740.00} on XX/XX/XXXX and have yet to receive my {$100.00} credit. I've called and emailed multiple times and still haven't gotten my credit, seems to be different stories of why it hasn't shown up but all reps I speak to say it should show up.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
I am overseas, I tried to do a wire transfer to here. Wells fargo froze my account. I called into the fraud department and provided them everything, the exact amount of the wire transfer, the amount XXXX, the confirmation number, XXXX. The recipient name : XXXX XXXX. I gave them all of my information, confirmed code from my email and my mobile phone but they still refuse to give me access to my account. They insist I must go into a branch, I live in a different country! no! They are doing it intentionally. I have all of my information anything they need I have given them all of the correct information, the company is wells fargo their number is, XXXX, My Name Is XXXX XXXX, account number 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 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: TN

Complaint narrative:
I have been contacted by the company on theses dates XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, XX/XX/23, and XX/XX/23. I called the company on XX/XX/23 as well as XX/XX/23 to let them know they have the wrong phone number for the debt they are attempting to collect and I am still receiving phone calls despite being both times that I called that I would not be contacted again.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ERC
State: GA

Complaint narrative:
I have contacted this company on multiple occasions asking them to verify a particular debt that does not belong to me. They repeatedly failed to do so, therefore the debt has been removed from my credit report multiple times and they keep adding it back as a new debt. This is completely inaccurate and proves that this company lacks integrity, honesty & credibility.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I always paid on time, and this giving me anxiety, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

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 2023-05-01 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
I always paid on time, and this giving me XXXX, I neves miss paying this account, Please update it and remove the Inacccurate late payment on my account and I can't even sleep with this problem, It's hard for me to accept it. I'm begging you to update it ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-05-01 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: FL

Complaint narrative:
Dear [ TransUnionXXXX ], I am writing to dispute the information regarding the XXXX account ( Account Number : [ account number ] ) listed on my credit report. The account is reporting with a past due balance of {$89.00} and a payment status of " Late 120 Days, '' which is not accurate and does not reflect my actual payment history. 

As a consumer, it is my right to have accurate and complete information on my credit report, as stated under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines. The burden of verifying the accuracy of the information provided to the credit reporting agencies lies with the furnisher of that information. 

In light of this, I demand that you investigate the accuracy of this account information and take immediate action to correct any inaccuracies. I have attached copies of my bank statements and credit card statements, which clearly show that all payments were made on time and in full. 

The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ]. Therefore, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report. 

In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA

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 2023-05-01 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:
Dear [ XXXX/Equifax ], I am writing to dispute the information regarding the XXXX account ( Account Number : [ account number ] ) listed on my credit report. The account is reporting with a past due balance of {$89.00} and a payment status of " Late 120 Days, '' which is not accurate and does not reflect my actual payment history. 

As a consumer, it is my right to have accurate and complete information on my credit report, as stated under the Fair Credit Reporting Act ( FCRA ) and the Consumer Financial Protection Bureau ( CFPB ) guidelines. The burden of verifying the accuracy of the information provided to the credit reporting agencies lies with the furnisher of that information. 

In light of this, I demand that you investigate the accuracy of this account information and take immediate action to correct any inaccuracies. I have attached copies of my bank statements and credit card statements, which clearly show that all payments were made on time and in full. 

The reporting of inaccurate information has caused significant harm to my credit score and ability to obtain credit, in violation of Section 1681s-2 ( a ) of the FCRA and the CFPB 's Bulletin 2013-1. It is also in violation of [ 15 US C 1681 section 604 A Section 2 ] [ 15 USC 1681 Section 602 ] [ 15 US code 5 1681b ]. Therefore, I am also requesting that you provide me with a written statement of the results of your investigation and a copy of my corrected credit report.

In accordance with the FCRA and CFPB guidelines, I expect your prompt response within 30 days of receipt of this letter. 

Thank you for your attention to this matter. 

Sincerely, XXXX XXXX CFPB Codes : Bulletin 2013-1 Section 1036 of the Dodd-Frank Wall Street Reform and Consumer Protection Act Section 1681s-2 ( a ) of the FCRA

Company response to consumer: Closed with explanation