vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Citibank Credit Card aware of my severe financial hardship for months now. Credit Card is unwilling to work with me making good faith payments every month. Credit card company constantly calls me and harasses me to make a larger payment than I can afford. I have tried several times to negotiate a more comfortable and affordable way to pay off the current balance. Every month, I call in to make a payment and still get harrassed or pressured and told that my good faith payment does not meet the minimum payment. I explain that I can not make a larger payment. The credit card associate threatened to send my account to collections today ( XX/XX/2023 ). Please assist me in this matter. 


I tried to furnish account number below. This account is now closed and still paying on balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID

Complaint narrative:
In XXXX I paid off the remainder of my balance with Capital One. It was just over {$800.00}. My balance became XXXX, and my autopay was cancelled. Shortly after, I was charged the {$95.00} annual fee for using the card. At that point, autopay was no longer active. Because I knew I had paid off the balance, and I hadn't used the card after that, I had no reason to go into the app. Well, a few months later I got onto the app just to check things out to find out that I was 2 payments behind. I was taken by surprise, because I knew I had paid it off, but then saw the {$95.00} fee, as well as a couple late fees. My problem is that I was never notified via email or the app that I had payments due or that my payments were late. When I talked to Capital One, they said that multiple emails went out to me, but I never received even one of them. Not in my inbox, not in my spam folder, not in my deleted folder, nothing. That is not an email that I would glance over if I received it. I am very upset at the way that Capital One handled the situation when I spoke to them. They seemed to not have a care in the world and just kept saying that it is the way it is and they can't do anything. Something happened along the way that prevented me from receiving the emails, and I don't know if it was their emails not sending or XXXX somehow blocking it. Because of all of this, I now have a delinquency on my credit score that will be there for 7 years. It dropped my score by XXXX points. All because I never received notification that I had a payment due. This was 100 % out of my control, and I need it fixed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-06-19 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: PA

Complaint narrative:
On XX/XX/2023, I tried to login into Equifax to get my credit report and it wouldn't allow me to do so. The automated system told me to call in. I called XXXX and hit the prompt to start a dispute. The automated system asked me questions about my credit report, and I had my credit report in front of me from XXXX and XXXX, so my information was accurate that Equifax automated system was asking me to identify myself. Equifax system rejected my answers to the questions, so it directed me to speak to a representative. When the representative came on, the phone she said she had sent me a link to identify myself. She said to upload my driver 's license front and back. I asked to speak with a supervisor because this was the XXXX time, I had issues getting my report. She said that the supervisor will ask me for the same information, and I said that was fine, but I would like to speak to a supervisor anyway. The Supervisor then got on the phone I explained that since I dropped the membership, I have not been allowed to obtain my credit report. While I was on the phone with the supervisor Equifax sent me an email with a purchase of a discount membership to get my credit report. I asked the representative why are sending yall sending me emails about membership I explained to her I need my credit report to dispute items on my report that is incorrect, and she said she could not help me because the link that was sent to me to upload my driver license had expired. The supervisor did not offer any suggestions, so I asked for the employee 's Name and id number. XXXX id XXXX. I wanted to start a claim about the fraudulent service and seek counsel against Equifax. I spoke with Attorney Back when I purchase my home and he told me it was unnecessary to continue to pay for membership when it was free to obtain credit reports. I will attach emails from Equifax about purchasing a membership.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: ACIMA CREDIT, LLC
State: FL

Complaint narrative:
15 U>S Code 1681 c-2 a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from a alleged identify theft, not later than 4 business days after the date receipt. It has been 30 days and you are in VIOLATION of this law because I am a victim of identify theft! Please deleted this item IMMEDIATLY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-06-19 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
My name is XXXX XXXX and I am XXXX XXXX XXXX and I am dictating this letter to my daughter, XXXX XXXX. I have an account with XXXX XXXX for about 30 years, and I have an account with Bank XXXX XXXX. A couple of weeks ago, I received a phone call from XXXX XXXX indicating that I had a margin call and that I needed to deposit XXXX dollars or they would liquidate my stocks. The dividends from these few stocks help me to live. I was not sure why I owed that money and what exactly a margin call was. I called my daughter and she called XXXX with me on the phone. That is when I found out that someone fraudulently wired and transferred about XXXX dollars out of my account without my knowledge or permission. It was then wired out to my XXXX account, without my knowledge or permission. From there, it was wired out to an unknown account at XXXX XXXX. I reported this to all 3 institutions. I was never notified of any suspicious activity on my account at XXXX. In all my years, I have never taken out money on margin. Nor have I ever requested a wire transfer. XXXX has informed me that there is nothing they can do and that they will not refund me the money that was taken fraudulently from my 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 2023-06-19 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: AZ

Complaint narrative:
I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action. 
Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time. 
If you can not complete this request, please delete the accounts immediately. 
I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 
Accounts there is some inaccurate information reporting. 
XXXX XXXX XXXX # XXXX Delete this account. 

there is some inaccurate information reporting. 
XXXX XXXX XXXX ACCOUNT # XXXX Delete this account. 

15 US-CODE 1692E FALSE OR MISLEADING REPESENTATIONS-10 XXXX XXXX XXXX ACCOUNT XXXX XXXX XXXX this 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 non-monetary relief
Consumer complaint received 2023-06-19 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: FL

Complaint narrative:
To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from equifax, XXXX, and XXXX and have noted following discrepancies : XXXX XXXX XXXX XXXX Inq date : XXXX/XXXX/XXXX Phone number : XXXX XXXX XXXX XXXX XXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX XXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX Inq date : XX/XX/XXXX There is also an open and accurate account from XXXX XXXX that is accurate it is NOT apart of this dispute its current and active from XX/XX/XXXX so that that open account as is. I am just requesting inquiry that I do not have knowledge on be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: EQUIFAX, INC.
State: IL

Complaint narrative:
I am urging you to take immediate action to remove the fraudulent inquiries on my credit report, as I did not authorize them and they are causing me great concern. I have provided supporting documents and request that you investigate the matter promptly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
To Whom It May Concern : I am writing to dispute the inaccuracies that have been reported on my credit report by your agency. I have recently reviewed my credit report from XXXX, TransUnion, and XXXX and have noted following discrepancies : XXXX XXXX XXXX  XXXX Inq date : XXXX/XXXX/XXXX Phone number : XXXX XXXX XXXX XXXX XXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX XXXX Inq date : XX/XX/XXXX Phone number : XXXX XXXX  Inq date : XX/XX/XXXX There is also an open and accurate account from XXXX XXXX  that is accurate it is NOT apart of this dispute its current and active from XX/XX/XXXX so that that open account as is. I am just requesting inquiry that I do not have knowledge on be removed.

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 2023-06-19 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: FIFTH THIRD FINANCIAL CORPORATION
State: CO

Complaint narrative:
Due to XXXX, we were unable to make our payment. We called our Mortgage Company, Fifth Third Bank, and they notified us that we could utilize Federal Covid Hardship Assistance where the payments would simply be but on the rear-end of the loan at the end of the Hardship Assistance Program . I was relieved, however, we did extend the program as my Husband still wasn't employed. When we were ready to start making payments again, Fifth Third Bank had made it impossible for us to get off this program and had told us multiple reasons ... -we had to re-qualify for the loan -we had to submit an application and Bank Statements along with numerous other documents I submitted Everything they asked for, and Every time I called, I got a different answer from someone. After months of back and forth, they said they hadn't received anything through their XXXX XXXX XXXX? I finally contacted an Attorney through Colorado XXXX XXXX who informed me he couldn't help me until the loan actually went into Foreclosure? I have been terrified of loosing my home! 
I could not get Fifth Third Bank to call me back or help me *until the Emergency Hardship Assistance Ended! 
Now they call me daily? 
All the information I have seen about this Program said that NO FURTHER INFORMATION WAS NEEDED TO END IT! 
It says : " There will be no additional fees, penalties, or additional interest ( beyond scheduled amounts ) added to your account, and you do not need to submit additional documentation to qualify. You can simply tell your servicer that you have a Pandemic-related financial hardship. '' YET, NOW, THERE IS NO WAY I WILL FINANCIALLY QUALIFY FOR MY LOAN! I have been very ill for the last 3 years, yet they do not want medical information? They have also racked up late fees, etc. My loan originated at {$200000.00}. It is now OVER {$250000.00} because of this program that was supposed to help me. They said my home is now in foreclosure. Something is just NOT RIGHT!!! I realize this hardship assistance program has ended, however, I have been trying to get off it since XX/XX/2021! Please help!!! 
I am XXXX and also need help doing what they are asking. I have been having a very difficult time with understanding, compression, using my cell phone, with memory. This is all documented in my medical records. 
My Attorney was XXXX with Colorado Legal Services, who was no help at all!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Transform Credit Inc.
State: CA

Complaint narrative:
According to the Fair Credit Reporting Act 15 USC 1681 section 602 a states " There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and respect for the consumer 's right to privacy. XXXX and XXXX are consumer reporting agencies and I am the consumer. I have the right to make sure my private information isn't shared which is backed by 15 USC 6801 which states " It is the policy of the Congress that each financial institution has an affirmative and continuing obligation to respect the privacy of its customers ' nonpublic personal information. " ( Furnisher of information to credit agencies ) is a financial institution by definition under that title. 
15 USC 1681 section 604 a section 2 states that " In general Subject to subsection ( c ), any consumer reporting agency may furnish a consumer report under the following circumstances and no other : in accordance with the written instructions of the consumer to whom it relates. The financial institution and the Consumer reporting agencies XXXX and XXXX do not have my consent to furnish this information and they surely do not have my written consent. Any and all consent to XXXX, XXXX, whether it be verbal, non-verbal, written, implied or otherwise is revoked. 15 USC 6802 ( b ) ( c ) states that " A financial institution may not disclose nonpublic personal information to a non-affiliated third party unless the consumer is given an explanation of how the consumer can exercise that nondisclosure option. You never informed me of my right to exercise my nondisclosure option. Not only that 15 USC 1681C ( a ) ( 5 ) states '' Except as authorized under Subsection ( b ), 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. " This account is an adverse item they are reporting again without my permission which is against the law. 15 U.S. Code 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. 15 U.S. Code 1681 e states '' Every consumer reporting agency shall maintain reasonable procedures designed to avoid violations of section 1681c of this title and to limit the furnishing of consumer reports to the purposes listed under section 1681b of this title. '' XXXX and XXXX are not maintaining reasonable procedures. Also 12 CFR Subsection 1016.7 states that " A consumer may exercise the right to opt out at any time. I am opting out of your reporting services.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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: TX

Complaint narrative:
In accordance with the Fair Credit Reporting act 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-19 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 — Card was charged for something you did not purchase with the card
Company: Netspend Corporation
State: TX

Complaint narrative:
It came to my attention that my account had been compromised probably via a skimmer from a gas pump. This has happened to us before in XXXX and Netspend refunded us the money that was stolen at that time. 

On XX/XX/XXXX, I realized my account was almost to zero and could see four charges that were not authorized by me as well as five charges where someone was repeatedly checking the balance ( 50 cents each time. ) Netspend told me however that they do not refund for fees for balance checks and other atm fees even when info has been stolen, which I understand. But by seeing the repeated balance checks, it proves it wasn't me. Why would I keep checking the balance of my own account at a random atm/gas station in XXXX, TX when I have access to my account balance via the app/website/phone call. Why would I wihtdraw XXXX XXXX dollars three seperate times in a row when I could withdraw a larger amount all at once? All of these unauthorized charges occurred at the same location in XXXX at XXXX. I'm sure if anyone would like to request the CCTV footage at that location you can see the person doing this is NOT me or my husband. 

The amounts stolen from me were : 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 These transactions were made in XXXX, TX where I was not anywhere near. 

At the same time I called to dispute this -- These charges were AUTHORIZED and the customer service representative from Netspend mistakenly added them to my claim : XXXX XX/XX/XXXX {$20.00} XXXX # XXXX XX/XX/XXXX {$3.00} XXXX XXXX XXXX XXXX XX/XX/XXXX {$2.00} XXXX XXXX # XXXX XX/XX/XXXX {$36.00} XXXX # XXXX XXXX XXXX XXXX XX/XX/XXXX {$41.00} They claimed they couldn't cancel a dispute on a transaction that was mistakenly made but it does make me wonder if they automatically denied the disputes for the UNAUTHORIZED transactions because they were mixed in with these? 

I disputed these unauthorized transactions with Netspend and after 10 business days I was told that they found no error had occured. I asked to appeal and reopen the case where they said they would reopen it. A few days later I'm told that my claim can not be reopened because the decision has been made already. 

I did NOT make these transactions. They were UNAUTHORIZED by me but Netspend basically said they don't care. We work hard for our money and we are just trying to take care of our family. Any help is appreciated.

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 2023-06-19 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: IL

Complaint narrative:
I did not open these accounts and I strongly suspect that they are fraudulent. I am requesting that you investigate and take necessary action to remove them from 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 2023-06-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Carter-Young, Inc.
State: MS

Complaint narrative:
In late XXXX I received a call from a woman who supposedly works for Carter - Young ( www.carter-young.com ) whom she said is a debt collection agency. She requested that I settle my debt with XXXX XXXX XXXX XXXX XXXX XXXX XXXX AL XXXX I do not owe XXXX XXXX any money. I have receipts where I pay my lease in full through XX/XX/2020 even though I completely moved out on XX/XX/XXXX due to COVID and graduation. XXXX XXXX would not inspect the apartment unit at the time due to XXXX. They required that I send pictures of every room and responded back to me that the unit was return in good shape. Exactly three years later this agency contacts me that I owe {$790.00} for XXXX and XXXX water and sewer fees and carpet replacement. Carter-Young offers to " negotiate '' the fees. I have tried repeatedly to reach out to XXXX XXXX  and they do not answer the phone nor respond to my emails. Carter-Young list their address as XXXX XXXX XXXX, XXXX XXXX, XXXX, GA XXXX XXXX XXXX Fax : ( XXXX ) XXXX. They also keep saying that they will remove this from my credit report, however : there is nothing on my credit report related to XXXX XXXX

Company response to consumer: Closed with explanation