vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Getting a credit card — Problem getting a working replacement card
Company: CITIBANK, N.A.
State: PR

Complaint narrative:
Citi Simplicity Credit Card Complaint I have made more than 10 calls related to get my credit card from Citi Simplicity. This is because the card has never arrived at my address. And it was approved on XX/XX/XXXX, and we are in XX/XX/XXXX, and it is not properly delivered. I solicited this card to buy two bikes. They send to me a email that say that I can spend {$1000.00} for start. And my card will be delivers soon. And then the problem begins. They send to me a card with XXXX XXXX in XXXX XXXX. The card was return to the Citi simplicity facility because I will never take the card. But the problem is that XXXX never notified me about the arrive with a label card or a call. I miss the letter because they are inefficient. Well, when I call Citi and tell them the situation, they close my account and tell me that they will be deliver another card with a new number. I have waiting for the card since XX/XX/XXXX. We are in XX/XX/XXXX and itss not here. I call them on XX/XX/XXXX and they tell me that they send me another card. Its not delivered again. That is the thing with this company. I say to they that I start to think that they are a fraud. I really need answers. 
They are lying about the delivering all the time I call them. And they say that they have wrong address, and XXXX must reprise my address continually every time I call the bank. 
But the curious thing is that I received the billing letter from Citi Simplicity charging. And they don't have my right address? 
The company uses a XXXX ( XXXX ) that does not work efficiently in XXXX XXXX. Well, they don't leave a notice or call to notify that a letter has arrived. I let them know my concern in all the calls made and they mention that they will be shipping it again with XXXX and other Citi agent say that they will send to me with regular post office ( USPS ) and it is not shipped. 
It has been too late, and I want to know how we can resolve this matter once and for 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 non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The original creditor XXXX XXXX  reported this account delinquent in XX/XX/XXXX. I have written. to Equifax and XXXX that this company has sued for the exact same thing I reported to them by the CFPB. My credit file all had different dates for when this account was to supposed to be removed. I disputed this facts with XXXX and XXXX, XXXX XXXX has yet to furnish me a complete file for this debt. XXXX finally agreed and stated to me about XXXX XXXX XXXX Closed Great! A Collection was closed Between XX/XX/XXXX and XX/XX/XXXX, your XXXX XXXX collections account was reported as closed. 

This is great news! Even though closing or settling a collections account may not have an immediate effect on your credit score, the negative impact of your collections accounts will usually fade over time. Because of XXXX statement of facts. I have enough proof to file a lawsuit against XXXX Equifax, XXXX XXXX for refusing to follow the Fair debt collection Act. Attempting to knowingly falsely report this account past the seven year window for negatively reporting a debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Mortgage debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: NC

Complaint narrative:
We received a foreclosure claim from the Bank of New York Mellon that they have petitioned a claim of a debt owed to them by us. The petitioned claimed that the Bank of New York Mellon is the holder of the note to our property located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX we then contacted the said bank by email ( see attached ) and they stated that they do not own the loan or the property. we them followed up for them to clarify by signing an affidavit and they have not responded to our urgent request. We have attached the affidavit to this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: MI

Complaint narrative:
Work up to find a collection on my credit report and my score dropping XXXX points. Collection complany took over XX/XX/2023 for XXXX in XXXX XXXX XXXX XXXX  charges. I called XXXX XXXX XXXX  and they have no record or my name or address ever being used and filed fraud claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — You never received your bill or did not know a payment was due
Company: Bread Financial Holdings, Inc.
State: CA

Complaint narrative:
The first four payments I did them over the phone. They were four different numbers and I got suspicious because fraud happens.

I ask them for my account information so I could make the payments on the internet and they always refuse to give me the information.

Then I refuse to give my information to strange numbers and stop making payments.

This happened many times, and to this day they still refuse to give me my information. My balance in the account is now bigger than the original balance.

Is this on purpose?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting 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: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account XXXX XXXXXXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
In accordance to the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX Balance {$28000.00}, XXXX XXXX XXXX XXXX Balance {$14000.00} has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told XXXX, XXXX, and Equifax to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL

Complaint narrative:
The account balance shown is not the last balance on account. I requested an account validation. They did not respond.

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: IL

Complaint narrative:
The account balance shown is not the last balance on account. I requested an account validation. They did not respond.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: MOHELA
State: OK

Complaint narrative:
I have served in public service for ten years and have met all obligations to make qualifying student loan payments for public service loan forgiveness. 
Mohela placed my account under administrative forbearance in XXXX and XXXX of XXXX. I did not request this forbearance. I was told this was due to administrative difficulties and have received language from studentaid.gov and mohela that these months will count towards public service loan forgiveness. I contacted Mohela multiple times and was reassured these months will still qualify In XXXX of XXXX I breached the threshold of XXXX qualifying months of service and payments. I submitted my application for forgiveness. However, Mohela is not counting the months of XXXX or XXXX stating I was under forbearance. I am suffering monetary damages as I would like to change employers to a for profit group but I can not make this transition until Mohela processes my application. I am requesting that Mohela correctly process my application for public service and include the months of XXXX and XXXX which rightfully qualify so I can have my application processed correctly and in a reasonable time frame.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
TransUnion is refusing to look into the inquiries I have informed them that are not mine. I have no recollection of such accounts. 

XXXX. XXXX XX/XX/2022 XXXX. XXXX XXXX XXXX XX/XX/202XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/2022 15 U.S.C 1681 section 602 A. States I have the right to privacy 15 U.S.C 1681 section 604 A section 2 : it also states a consumer reporting agency can not furnish an account without my written consent. And with out supporting that proof written consent the accounts must be removed from 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 2024-02-11 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: Atlanticus Services Corporation
State: OH

Complaint narrative:
XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... XXXX XXXX ... XXXX XXXX XXXX ... XXXX XXXX music festival made withdraw not planning on booking event, ,card company is not trying to give me my money that is due..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I have several charges on my account. I have contacted PNC, and informed them and listed on the site they can refund any payments of fees. I believe I am being target

Company response to consumer: Closed with monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: LJ Ross Associates
State: IL

Complaint narrative:
Acct appeared on my credit report I have not signed a contract with l j Ross I have no knowledge of this acct and demand it be removed from my credit report

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
In accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for and purpose.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-11 00:00:00
Product: Debt collection — Rental debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: HW Holding, Inc
State: CA

Complaint narrative:
I NEVER lived at this address. I NEVER signed a lease for this apartment complex so the deposit owed is not correct. 

Amount for {$600.00}. Then they changed it to $ XXXX or so. 

They allege that the lease started XX/XX/15, and that I moved in XX/XX/15. I did not.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: MIDFIRST BANK
State: FL

Complaint narrative:
Midland Mortgage Loss Drafts XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Dear XXXX XXXX, I am writing to request that an initial draft of the insurance funds be immediately released to XXXX XXXX and XXXX XXXX so that contractors can be paid to begin the difficult process of rebuilding my home. As of to date, contractors are refusing to take on projects involving insurance proceeds due to a delay in getting payments for work that has already been completed. 

Your collateral and my home remain unrepaired for unsubstantiated and unjustifiable reasons. Thus, it is in both my and Midland Mortgage, a division of MidFirst Bank, interest to have my home repaired without further delay. 

Therefore, by holding up my insurance proceeds, Midland Mortgage is contributing to further depreciation of my home by forcing us the homeowner to involuntarily deposit funds with your organization that should be going toward the process of rebuilding and restoring the asset that is my home and your collateral. Please, in the interest of time, send the account number that the funds were deposited into, the terms of the account, and an account of how the funds are being utilized.

Please immediately provide the name, email, and direct telephone number of a person with authority to collaborate with me and Midland Mortgage to appropriately address this situation. Otherwise, a complaint will be filed to the Consumer Financial Protection Bureau ( CFPB ), the Florida Department of Financial Services, and my attorney. Thank you for your time and prompt attention to this request. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Communication between home owner and XXXX XXXX of Midland Mortgage XXXX XXXX XXXX Sat, XX/XX/year>, XXXX to me I am looking into this, and will have my manager review so we can get these funds to you, I am sorry for the delay. I am working on it now and should have a remedy on Monday, I will let you know.

Thank you, XXXX XXXX Servicing Associate II Loss Draft Midland Mortgage, a Division of MidFirst Bank XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX to XXXX XX/XX/year> Good afternoon XXXX XXXX XXXX I am following up with you regarding an appropriate disbursement from my insurance settlement funds to initiate the rebuilding process of my house. 
Please be reminded that this has been going on since XX/XX/year>. 

Kind regards, 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 2024-02-11 00:00:00
Product: Credit reporting 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: MN

Complaint narrative:
My information has been stolen and used without my permission, consent, nor my knowledge whom ever stole my information applied for Auto loans, credit cards, and many other items, here a list of unauthorized inquiries that was made on my report : 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 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  All the above listed inquiries are unauthorized and was done without my permission, permission, nor consent and must be deleted from my credit report with all credit bureaus under these illegal inquiries are reported illegally on my XXXX XXXX  report, XXXX report, Equifax report, and XXXX XXXX report. It must be removed ASAP. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-11 00:00:00
Product: Credit reporting 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: MN

Complaint narrative:
My information has been stolen and used without my permission, consent, nor my knowledge whom ever stole my information applied for Auto loans, credit cards, and many other items, here a list of unauthorized inquiries that was made on my report : XXXX XXXX XX/XX/XXXXXXXX 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 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 XXXXXX/XX/XXXX. All the above listed inquiries are unauthorized and was done without my permission, permission, nor consent and must be deleted from my credit report with all credit bureaus under these illegal inquiries are reported illegally on my check systems report, Experian report, XXXX report, and XXXX XXXX report. It must be removed ASAP. Please removed this information from my credit report, pursuant to section 15 U.S. Code 16815-2 ( B ) of the Fair Credit Reporting Act, Stating Information alleged to result from identity theft If a consumer submits an identity theft report to a person who furnishes information to a consumer reporting agency at the address specified by that person for receiving such reports stating that information maintained by such person that purports to relate to the consumer resulted from identity theft, the person may not furnish such information that purports to relate to the consumer to any consumer reporting agency, unless the person subsequently knows or is informed by the consumer that the information is correct. These inquiries are all unauthorized and must be deleted asap under The Fair Credit Reporting Act ( FCRA ), 15 U.S.C. 1681 15 U.S.C. 1681s-2 ( b ). These inquiries are unauthorized please remove them thank you.

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 2024-02-11 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: Experian Information Solutions Inc.
State: GA

Complaint narrative:
In accordance to the Fair Credit Reporting XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX balance {$140.00} has violated my rights 15 U.S.C. 1681 section 602 A states I have a right to privacy.15 U.S.C. 1681 section 604 Section 2 also states a consumer reporting agency can not furnish a account without my instructions. I told Experian, XXXX, and XXXX to reinvestigate the above listed accounts : However, they stated everything was complete and accurate. But how is that possible if the open date, date of last activity and much more is incorrect. According to 15 USC 1681i ( 5 ), they are supposed to modify accounts that aren't reporting correctly. According to 15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation