vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
In XXXX of XXXX I opened a XXXX XXXX Credit Card ( Citi Bank ) after reading the advisement for XXXX  years, 0 % interest. I linked my bank account in order to make prompt payments as a way of protecting my good credit score. After XXXX  years of making automatic payments and the XXXX years expired, Citi Bank immediately added a retroactive interest fee of {$3000.00} on a {$3600.00} balance. I called Citi Bank Representative and account manager named XXXX who gave me her employee ID as XXXX. She refused to hear me out and eventually hung up on me after I pleaded with her to understand that the decision to add such an interest fee was unethical. To be clear, it wasn't until I went to pay off what I thought was the remaining balance of {$3600.00} on Friday that I noticed the huge interest charge from back in 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 explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
On the evening of XXXX XX/XX/2021 I tried to make a purchase from XXXX, a computer hardware parts company. The item was a NAS ( network attached storage ). After going thru a lengthy selection process, which compared : capabilities ; availability and price a item was selected and placed in the XXXX website cart, credit card and shipping information was entered and the deal was done, or so I thought. Checking my email, I saw a note from XXXX that my credit card was declined, and suggested I enter a different card, which I did. It was not clear if the second card was also declined, or if the information from the first card was persistent. I contacted the second card issuer first, XXXX XXXX, since I was sure there was no chance on being near the credit limit and was told ( from their fraud division ) that for my protection the charge was declined since I hadnt ordered from that company in the past. I then contacted the first card issuer, comenity bank and was first told that the purchase was approved by comenity bank, but rejected by XXXX, and that the decision was between XXXX and XXXX. XXXX gave me a number to XXXX, instead of connecting me to XXXX it transferred me back to XXXX bank who now ckaimed they actually declined the purchase based on their hunch. I was not able to make the purchase, and the effort to research the best product was lost.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: CITIBANK, N.A.
State: OH

Complaint narrative:
I am a Victim of Identity Theft. I recently received my credit report and learned that my personal information was used to open up an account at a XXXX this false information is damaging my credit report. I did not open or authorize this account and I therefore request that XXXX absolve me of all charges on the account and you take all appropriate steps to remove this information from my credit files.

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 2021-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: HUNTINGTON NATIONAL BANK, THE
State: MI

Complaint narrative:
I contacted my Bank ( Huntington Bank ) on XX/XX/2021 about fraudulent/unauthorized charges amounting to {$520.00} in charges, and an additional {$610.00} in overdraft fees resulting from the fraudulent/unauthorized charges. I was told I would receive provisional credit until they investigated and came to a conclusion and that I would be notified of the result. I received XXXX in provisional credits and {$610.00} in overdraft fee refunds ( not listed as provisional ). On XX/XX/2021, {$210.00} in overdraft fees were reversed without notice. Due to the reversals, and incomplete refund for unauthorized charges my account was overdrafted again. The overdraft and NSF fees amounted to an additional {$360.00}. I have yet to receive any written correspondence about the reversal of the overdraft refunds, and the remaining amount of the unauthorized charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a Citibank AAdvantage XXXX. This is my oldest credit card account ( XXXX years ) and is a major positive contributor to my credit rating since I have a perfect payment record. 

For some years, this card has not reported properly to XXXX and does not show up on my XXXX credit report, although it reports properly to both XXXX and XXXX. 

XXXX claims that the problem is on the Citibank end. I have contact Citibank 's Credit Dispute Unit multiple times by letter ( in XXXX, XXXX, and XXXX of 2021 ). Each time I get a form letter back saying that they have " requested that the consumer reporting agencies begin to report this account ''. They take the same action each time, even though my letters clearly state that this has not worked and the issue needs escalation. 

There is no apparent way to escalate this issue, since Citibank 's customer service simply states that all credit dispute requests must be put in writing, and Citibank 's XXXX support states that the Credit Dispute Unit is an " offline organization '' and does not engage with their normal support channels. 

My belief is that this is a simple technical glitch that could be resolved quickly, but there is no way to escalate it for resolution between the XXXX entities ( Citibank and 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 2021-11-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WV

Complaint narrative:
Payment history was perfect, banking with Bank of America for XXXX years and while I was on vacation they cancelled my account! No call, letter or any communication.

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 2021-11-28 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: FL

Complaint narrative:
XXXX XXXX, 2021 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX ( XXXX ) XXXX XXXX To whom this may concern. 
I am writing because this credit card company forced me to. They have been doing illegal practices. In XXXX I was told that my account was past due {$9.00} which I corrected it right away after speaking with one of their representatives, which I was told at that point when I paid the {$9.00}, they would adjust the late fee which was not a day old. and return my account back to normal status which never happen. I was asking to go autopay, but I refuse to do so after XXXX XXXX payment went in with no problem. Now we are on XXXX XXXX payment and I find myself over the limit again. I was forced to pay {$11.00} and go on auto pay to keep this from happen to me again. 
This company lies on a continuous basis to get what they want. They lied to me telling me that they would return my account back to normal status and give me back my credit line of {$3100.00} dollars, which never happened, nor did they inform the credit bureau of what happened. They ruin my reputation causing my credit score to drop to an all-time low. I am going to seek legal advice because they're ask me to go paperless which give them the power to handle my credit card. What I mean is they can do whatever they want since you can't see the bill. I paid them in accordance to what my statement is usually billed, they increased it in order to charge me a late fee. Just think about how many people they are doing this to. {$29.00} time one hundred customer would be {$2900.00}. Now do it time 1000 customer. Just keep going. Ask yourself why pay anything on a bill if you know they are going to charge you a late fee, which they do not put to the same month but to the back of the bill which you will never see. 
What I would like is for them to send a letter to the collection agencies, just like they did when they changed the amount of my monthly bill driving me over the limit. I want them to return my credit back to where it was before all of this happen, and for them send me an apology letter. I pay my bill every month. If I didn't want to pay this bill, I would not make any form of payment, nor would I have paid less than what is do. 

Thank you for all your help in advance.

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 2021-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: SUNRISE CREDIT SERVICES, INC
State: OH

Complaint narrative:
I am a Victim of Identity Theft. I Recently received a copy of my credit report and learned that my personal information is being used in attempt to collect a debt from a company called SUNRISE CREDIT SERVICE which I did not open any account or have any knowledge of this company and why are they trying to collect a debt which I do not owe or have knowledge of. I am Disputing this collection of debt and requesting validation of the debt the company says I owe. I am requesting proof that i am indeed the party the company is asking to pay this debt and there is some contractual obligation that is binding me to pay this debt. Until the debt have been verified I am requesting that this debt collection and information be removed from my credit report immediately.

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 2021-11-28 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — 
Company: RoundPoint Mortgage Servicing LLC
State: AL

Complaint narrative:
My loan is at XXXX % XXXX as of XX/XX/XXXX When i fist noticed my XXXX was below XXXX %, I reached out to Roundpoint Mortgage XXXX to request to remove the PMI, nothing was never done about it. This was done back on XX/XX/XXXX I had made several attempt via email, chat options, and via phone but none was successful. I have made a total of XXXX attempts At this point what should I do next to resolve this matter. I really don't want to refinance into another loan company at all. 

The federal law states when the loan is below XXXX % PMI is automatically removed. 
and I have a conventional loan.

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 2021-11-28 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
On XX/XX/21 I received mail from numerous local attorneys attempting to represent me for an action filed with a local judge. The paperwork states that midland credit is sueing me for {$1300.00}. I have disputed this account on my credit report and have no knowledge of this debt. Instead of answering this dispute with written verification, I have been threatened with a lawsuit and the information was received 3rd party. I have not been served and I have no knowledge of this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: STERLING JEWELERS, INC.
State: PA

Complaint narrative:
I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission 's Identity Theft Affidavit. Please delete the item 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 2021-11-28 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: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Per my contract, the alleged debt has been paid as agreed at the time of signing. The promissory note is a negotiable instrument. I will be asserting all of my rights.

Per 15U.S. 1602 I am a natural person and XXXX XXXX is the creditor. 

I advise XXXX XXXX to also read the laws on consumer credit transaction According to 16 CFR 433.1, 16 CFR 433.2, 16CFR 433.3 this company is included to follow my rights XX/XX/1977, shall be exempt from the requirements of 16 CFR part 433 with respect to such contract provided the contract does not cut off consumers ' claims and defenses I have also been violatedand XXXX XXXX has borken the law by communicating or threatening to communicate to any person credit information which is known or which should be known false. This is under Title 15 U.S. Code 1692 E Lastly please see the Notice section as well in a consumer credit contract.

16 CFR 433.2 - Preservation of consumers ' claims and defenses, unfair or deceptive acts or practices. 

NOTICE ANY HOLDER OF THIS CONSUMER CREDIT CONTRACT IS SUBJECT TO ALL CLAIMS AND DEFENSES WHICH THE DEBTOR COULD ASSERT AGAINST THE SELLER OF GOODS OR SERVICES OBTAINED PURSUANT HERETO OR WITH THE PROCEEDS HEREOF. RECOVERY HEREUNDER BY THE DEBTOR SHALL NOT EXCEED AMOUNTS PAID BY THE DEBTOR HEREUNDER. 







XXXX XXXX Without recourse

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit card or prepaid 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: Block, Inc.
State: TX

Complaint narrative:
Monthly for the past six ( 6 ) months, on the XXXX of every month backward from and including XX/XX/2021, Square  ( also called " XXXX '' ) payment processing service continues using my debit card/XXXX  account numbers to take payments for canceled services. 

As attached emails, documents, and bank screenshots show, every attempt, by me and by XXXX XXXX branch of XXXX XXXX XXXX, to stop these thefts has failed. 

Furthermore, that every contact with Square follows an identical profile strongly suggests that we have not been dealing with actual human beings at all, but instead with an AI ( artificial intelligence ) computer program that was designed to perpetuate fraud by imitating humans, thus deceptively leading complainants to believe that their complaints are being addressed in good faith. This problem is so widespread that the US/FTC recently issued a ruling to cope with it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I went to https : XXXX and completed the application process. I requested my XXXX Report, which displayed, but I was not able to print or save the report. The same results occurred for Equifax. I can see the reports but I can not get the reports. When I returned to the website using a different device I tried to get the XXXX Report, but the same result -- I can see the report but not get the report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: CITIBANK, N.A.
State: CA

Complaint narrative:
I dint apply for Macys

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 2021-11-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XXXX/XXXX/2021, I, the consumer, received notification that the XXXX XXXX XXXX XXXX XXXX executed two unauthorized electronic funds transfer for {$32.00} and {$0.00} via my PNC debit card. I received no benefit from the transaction. I contacted PNC Bank to dispute these transactions on XX/XX//2021 but to date, I have only received a refund for the transaction of {$0.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Problem with fees
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
I have three accounts with Comenity Bank : XXXX XXXX XXXX XXXX and XXXX XXXX XXXX  XXXX. I paid all three accounts in-full XX/XX/XXXX. XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX and XXXX XX/XX/XXXX. I have always received paper statements for all three accounts and never signed up for paperless statements. For the 1st time since paying the accounts off in XXXX, I received a bill in the mail XX/XX/XXXX for XXXX and XXXX XXXX XXXX XXXX stating I have a balance. I called Comenity Bank about the matter and was told I had incurred residual interest which I wasn't aware of since I didn't received a bill, which also caused late fees and reporting late to the credit bureau. while questing the representative I inquired about XXXX XXXX and found the same had occured with that account as well except I have never received a bill to date. I believe this all to be a fraudulent act against me on the part of Comenity Bank. I'm asking your help to resolve this matter and avoid this from happening to anyone else! I have paid the fees to avoid any further attack against my credit. I pray Comenity Bank will refund the wrongful fees and interest charged and remove any negative reporting that has occurred since the accounts were pain in full XX/XX/XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Portfolio Recovery Associates, LLC
State: MA

Complaint narrative:
Portfolio recovery XXXX ( XXXX ) XXXX keeps calling on weekends, after normal business hours ( around XXXX during week day ).

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: ME

Complaint narrative:
This is my 3rd complaint this year ( see ID # XXXX ), and I still can not get Equifax to send me a copy of my credit report. My most recent request was sent via US mail to Equifax 's Corp. VP & Chief Legal Officer, Certified Mail/Return Receipt and Equifax signed for it on XXXX/XXXX/21 at XXXX. I've waited this additional 2 months to give them more than enough time to respond, and I've been trying to get them to respond to my numerous requests since XX/XX/XXXX! Equifax sent me my credit report back in XXXX, so they certainly have it despite their claim to not be able to locate one in my name. Obviously a confirming contact with even their Chief Legal Officer ended up yet another futile attempt. I have NO problem whatsoever getting my credit report from the other 2 national credit bureaus - including online, which Equifax refuses to do despite several online requests as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Hello my name is XXXX XXXX and on XX/XX/2021 I submitted a letter to the credit bureaus requesting that they verify some unrecognized inquiries listed on my credit report. According to law the bureaus have 30 days to investigate and if they do not investigate the items are to be removed from my credit report. As you can see I have been waiting for the investigation results for OVER 2 months. I ask for your assistance in encouraging the bureaus to abide by the laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-28 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Problem getting your free annual credit report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD

Complaint narrative:
I went to XXXX : XXXX  and completed the application process. I requested my TransUnion Report, which displayed, but I was not able to print or save the report. The same results occurred for XXXX. I can see the reports but I can not get the reports. When I returned to the website using a different device I tried to get the XXXX Report, but the same result -- I can see the report but not get the 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 2021-11-28 00:00:00
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
I thought I paid off my amount on a credit card back in XXXX. I never recieved any mail stating I still owed for this card. I got a letter from a debt collector and they are stating I owe {$660.00} from the closed account. I never knew this account was closed or still had a balance. I checked the amount and on XXXX, XXXX XXXX and the account states that I owe {$660.00}. I do not understand where they are getting the extra 33 cents and I mailed a letter to dispute it as well.

Company response to consumer: Closed with explanation