vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-28 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 — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
OnXXXX, I checked my email and there were email notifications for purchases made with my XXXX XXXX  and the card on file. I checked the XXXX Citi credit card app and saw that on XX/XX/21 one {$500.00} purchase was made and then canceled. Right after the cancellation, a {$2000.00} purchase was made and both purchases had the digital gift card sent to the same email, XXXX. After noticing these fraudulent charges, I called Citi Bank customer service and reported these charges and I was told that they could not be disputed since they are still pending. I proceeded with canceling the card that was used. I then called XXXX customer service and reported that the charges were not made by me and they noted that in my account and advised to file an FTC report, contact local authorities, and reach out to the 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 monetary relief
Consumer complaint received 2021-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Collection Service Center, Inc.
State: MD

Complaint narrative:
I did not consent to, authorize, nor benefit from the following accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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 — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent a series of letters to the credit reporting agencies multiple times requesting a fair investigation due to inaccurate reporting I am fully aware of how reporting works and found evidence of non-compliance in accordance to the XXXX and XXXX XXXX format procedures to report. The entire profile SCREAMS lawsuit and im trying to resolve this amicability without going that route but they are forcing my hand due to their negligence Please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of E-Oscar updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. The Experian Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX  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 2021-12-28 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. The Transunion Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX  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 non-monetary relief
Consumer complaint received 2021-12-28 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: EQUIFAX, INC.
State: CA

Complaint narrative:
This is XXXX XXXX, who is submitting this CFPB complaint myself. The Equifax Credit Bureau is reporting inaccurate information on the listed accounts below. Per FCRA, reporting must be 100 % accurate or the information must be deleted. Evaluate this reporting by making a revision of the information provided. Modify and perform any corrections or withdraw this from my personal file. 

( XXXX XXXX, XXXX XXXX, XXXX XXXX  XXXX XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: EQUIFAX, INC.
State: GA

Complaint narrative:
collection Agency XXXX XXXX XXXX XXXX XXXX XXXX Original Creditor Name XXXX XXXX XXXX XXXX Date Assigned XX/XX/XXXX Original Amount Owed {$950.00} Amount {$950.00} Status Date XX/XX/XXXX Status UNPAID Balance Date XX/XX/XXXX Account Designator Code INDIVIDUAL_ACCOUNT Account Number # # # # # # # XXXX Creditor Classification XXXX Last Payment Date Date of First Delinquency XX/XX/XXXX Comments CONSUMER DISPUTES THIS ACCOUNT INFORMATION XX/XX/XXXX Dispute Submitted to Equifax XX/XX/XXXX Dispute Completed and was not removed. XX/XX/XXXX Dispute Submitted to Equifax XX/XX/XXXX Dispute Competed and was not removed. XX/XX/XXXX Police report was faxed in to Equifax inwhich this is what equifax representative told me to do, with copy of social security card and id. XX/XX/XXXX Representative from Equifax stated that the police report was not accurate because it did not contain specific information related to each fraudulent mistake. I was never told by any representative that it should be specific for each mistake. Furthermore Investigator stated that there was nothing that he could do and equifax would need to handle dispute and case would be closed on his end. I have completed every action stated by Equifax that I would need to take and this situation still hasn't been resolved. I have asked for a signed contract with my signature and either has been able to present one. Therefore if there is no contract, there is no debt owed and this is fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Payday loan, title loan, or personal loan — Payday loan
Issue: Struggling to pay your loan — 
Company: Four Directions Lending LLC
State: WA

Complaint narrative:
In XXXX of 2021 I took a XXXX dollar loan from this company. I was told I would have XXXX payments of XXXX to pay it off. Which is what the first payment in XXXX was. They then began taking double the payment at every payday as opposed to to once a month. I called to try to pay it off and the interest has accrued at an insane amount. I would never agree to a XXXX XXXX percent loan. I have been out of work due to XXXX and called and asked to speak to a supervisor and each time they put me on hold and then said they would call back and never do. They are taking advantage of people amid the pandemic. I have already paid back XXXX times the amount of the original loan. What they are expecting is insane. The attached documents show the payments they doubled and started taking per biweekly which was never the agreement they told me on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I deposited $ XXXX USD in a new checking account with Citi on XX/XX/21 to take advantage of a new member signing bonus. On XX/XX/21 I initiated a wire transfer of $ XXXX USD to another account that I also own at XXXX. They refused to process the wire transfer and have had my funds locked ever since. They claim that there is an internal review that is blocking my funds from being transferred, but 3 weeks later nothing has changed. They keep saying that someone will call me, but no one ever does. They refuse to close my account or allow me to access my funds until this " review '' is complete. They are nebulous as to what group at Citi is in charge of this review, calling it " the internal department '' and " the special department for you and your account '', and they always say that they are unable to allow me to speak to them.

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 2021-12-28 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Georgia Student Finance Authority
State: GA

Complaint narrative:
I was contacted on XX/XX/2021 by a Georgia Student Finance Commission agent who informed me that a payment was due on my account. I informed the agent that my account was in forbearance or in deferment. The agent told me it ending a month or two earlier. I informed the agent that I was not made aware of the change. I asked the agent about applying for a forbearance or deferment for economic hardship. The agent asked if I was employed. I informed the agent that I am employed but due to other financial obligations, and financial strain that I could not afford to make the payment or future payments at this time. The lady told me that I would not qualify for any of the options. I asked to agent to still send me the documents so I could fill out the one that applies. As I viewed the document it only list the following option to apply for ( listed below ) : I am experiencing a Student Loan Debt Burden. One year increments, XXXX years total. 
Monthly payments on my Title IV loans ( including XXXX, XXXX, and XXXX ) are equal to or greater than 20 % of my total monthly gross income. 

I am engaged in a XXXX or XXXX XXXX XXXX XXXX One year increments, length of program. 
An authorized official must complete section XXXX of this form indicating the beginning and ending dates. 
I am serving in XXXX XXXX ( XXXX ), XXXX XXXX, or XXXX repayment. One year increments, length of program. 
Supporting documentation from the authorized official indicating the beginning and ending dates must be supplied. 
I am serving on active XXXX XXXX duty as a member of the XXXX XXXX. One year increments, length of program. 
An authorized official must complete section XXXX of this form indicating the beginning and ending dates. 

Each of the forbearance qualifications given does not apply to me. Georgia Student Finance Commission updated there form in XX/XX/2021. Before the form was updated I qualified for the forbearance. This company no longer accepts medical or other debt as financial hardship, it only has to be unemployment status or student loan payments 20 % higher than you monthly income. This is making it extremely hard on my finances during this pandemic. I can not afford to make payments at this moment and my financial hardship reasoning should be accepted. This is also affecting my credit scores and mental health.

Company response to consumer: Untimely response
Consumer complaint received 2021-12-28 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 — Investigation took more than 30 days
Company: Phoenix Financial Services LLC
State: OH

Complaint narrative:
On or about XX/XX/2021, XXXX XXXX XXXX received a via certified mail, a notice that an alleged creditor PHOENIX FINANCIAL SERVICES did not respond to a lawful " VALIDATION OF DEBT REQUEST '' ( copy of notice & proof of service attached ). I originally sent PHOENIX FINANCIAL SERVICES the " VALIDATION OF DEBT REQUEST '' and it was received on XX/XX/2021 ( original letter & proof of service attached ). I have gone through the proper channels & process to address the alleged debt & both the bureaus & the creditors have violated my rights per FCRA & FDCPA respectively.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC

Complaint narrative:
My checking was changed with proper notice. The account has received over {$750.00} worth of fees because of this change. I deposit money in the account to avoid fees but the funds are being held up by 3-5 days Making my account go negative. I have notification the account to avoid fees but the funds deposited in the account has been access to fees. The fund should be funded to the account to avoid fees ; BOA. Policy states that fund deposit in the account within 24 hours wouldn't be accessed a fee. But my account has been access with multiple fees before the 24 hours are over. I try to discuss the concerns with the customer relations manager. But was told it's not his problem.

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 2021-12-28 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I havent been able to access my Citibank account for 2 weeks before XXXX I got in contact with bank as soon as I realized I couldnt use My card. I spoke with an agent and the representative said my account was under a fraud block and that the account was referred for closure. I was trying to see if I could open a new account to transfer my funds but they said I would have to wait for a letter notice in the mail, and that my check will be disbursed to me within 60 to 90 days of account closure the bank account is still not closed and its blocked I cant get to any of my funds which is exactly {$4200.00} in the account that they wont allow me to withdraw. The dates Ive called are expanded between XX/XX/XXXX and XXXX the days before my account was blocked by the fraud department. They wouldnt allow my to verify my identity because I had to change my phone number 2 weeks before because of personal reasons. They locked my account with no notices or statements regarding the state of my account being blocked at all.

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 2021-12-28 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I applied for the indigo card on XX/XX/2021 after reading that there was a {$0.00} annual fee. At the conclusion of the application I noticed that some of the words were covered up but wasnt able to to move the tab. I called immediately to report this and ask about an annual fee. They told me there is an annual fee and I told them I did not know that because the application was misleading and I want to close the account. They informed me that they closed the account. On XX/XX/2021 I received a letter that the account is closed but there is a {$75.00} balance for the annual fee. I feel they are misleading people by obstructing the annual fee during application and then mandating people to pay when they dont want the account. I should not be charged an annual fee because of this issue and misleading application. I did my due diligence to report this immediately and a card was never issued. I want this account closed without a balance because they did not provide me any service and misled me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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 — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I sent a series of letters to the credit reporting agencies multiple times requesting a fair investigation due to inaccurate reporting I am fully aware of how reporting works and found evidence of non-compliance in accordance to the XXXX and XXXX XXXX format procedures to report. The entire profile SCREAMS lawsuit and im trying to resolve this amicability without going that route but they are forcing my hand due to their negligence Please note that they are ignoring my request to modify accounts, which would lead to changes on all agency reports ( as per the carbon copy rules of XXXX updates ). 
It is very important that you please investigate and resolve as this is injurious to my character and is obstructing my ability to obtain financing.

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 2021-12-28 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: EQUIFAX, INC.
State: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which results in unauthorized items on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2021-12-28 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
My name is XXXX XXXX and I checked my credit report and I noticed some fraudulent and inaccurate accounts and Inquiries on my credit report I reached out to the credit reporting agencies about these fraudulent accounts but they did not fix the issues.

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 2021-12-28 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I have been dealing with unauthorized use of my personal information. Which results in unauthorized items 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 explanation
Consumer complaint received 2021-12-28 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: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XX/XX/2021 I was charged {$1200.00} that I did no authorize. So I submitted a claim like anyone would do. The merchant involved is XXXX. 

I waited for a temporary credit that never came instead on XX/XX/2021 I got an email basically saying my case was closed & no further action would be taken. I was stunned and still am. I tried to call in to speak to claim services however nobody would tell me anything. 

So now Im here trying to bring justice to whom ever used my card information at XXXX. This really put a damper on me and my family. I already make around minimum wage... now my account is in the negative {$720.00}. So I ask that someone please get to the bottom of this and make things right. 

Thanks XXXX XXXX XXXX number ; XXXX Entities involved ; Bank of America XXXX 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 2021-12-28 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: NY

Complaint narrative:
If the three credit bureaus, XXXX, XXXX, and TransUnion, are private and for-profit companies, why I am obligated to have my information with them? 

I should have a choice to remove my identifying information from the database of these PRIVATE companies that have been proven to be lax on consumer information security. 

Where is the US LAW that states that these companies MUST have my information? 
Where is the US LAW that states that they can not remove my personal information at my request?

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