vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-10-08 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
In reference to Case ID : XXXX. I in fact am not responsible for the charge below : Date : XX/XX/2023 Amount : {$150.00} Description : XXXX XXXXXXXX XXXX XXXX XXXXXXXX. The merchant did not deliver the goods as promised. When I arrived to complete check-in at the hotel I observed bed bugs, stained mattresses, and poor room standards. The room I purchased with the merchant XXXX was not the same room standards that were actually presented at check-in. I immediately declined staying at the hotel. I was in the hotel room all of XXXX minutes. The front desk clerk informed me that the XXXX XXXX  XXXX would not be able to reimburse me because I purchased the room with XXXX. I was informed by the clerk to obtain my full refund from XXXX. I was out of town for a family wedding and was hugely inconvenienced. There were no other hotels available at the rate I purchased the XXXX XXXX  XXXX. XXXX XXXX  declined any refund stating that I authorized the charges. I was treated extremely poorly by XXXX 's customer care support team. I agree that I did authorize the charge with the condition that I would be provided a clean, healthy and upstanding room. The merchant failed to provide the " goods as described '' and I did not get to utilize the services I invested my monies into. At the last minute I had to come out of pocket a total of {$300.00} in additional monies. I opened a dispute with CitiBank. I sent all requested information to CitiBank. Citibank notified me that CitiBank would side with the merchant because the merchant provided their rebuttal stating I approved the transaction. However, XXXX is responsible for holding the hotels, airlines, and car rentals responsible for providing substantial services to XXXX 's customers. XXXX is not to hold the consumer responsible for the lack of good faith provided by XXXX 's contractors. 
Exhibit A shows the photos of the actual room conditions of the XXXX XXXX XXXXXXXX. Exhibit B shows that I provided the information requested from Citi Bank to which I responded : Neither I, nor anyone authorized by me, made this charge or received any benefit. Hence, as the card holder I have provided all requested information from CitiBank and have fully cooperated in this matter.

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 2023-10-08 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: IN

Complaint narrative:
In accordance to the fair credit report act this creditor ( XXXX XXXX ) has violated my rights under 15usc 1681 section 602 states tha I have a right to privacy. 15usc 1681 section 604a section 2 also states that a consumer reporting agency can not furnish an account without my written instructions. 15usc 1666b states that a creditor may not treat a payment on a credit card account under an open ended consumer credit plan as late for any 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 2023-10-08 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: MA

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX 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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : 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.

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
Consumer complaint received 2023-10-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Advertising — Changes in terms from what was offered or advertised
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
I've been using American Express prepaid gift cards for years, and as of XXXX  American Express is blocking transactions at all major retailers. AmEx has admitted to me that they block online transactions at XXXX, XXXX, XXXX XXXX, XXXX, XXXX, etc so it's making the card close to useless. I can't get the card to add to XXXX XXXX about 95 % of the time, and when I do get it added it just fails when trying to use it at stores like XXXX XXXX and XXXX. Again, I'm very experience with these cards and I've been using them for at least 10 years, and as of XXXX  they are nearly useless. I can only get them to work when I physically swipe at some merchants, so this severely limits how I can use it. They say it should work at online retailers but it does not, and it is AmEx that is blocking it's use.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
Two credit card transactions made on or about XX/XX/2023. Card issued from Wells Fargo. 
Transaction amounts XXXX XXXX Then on XX/XX/XXXX I paid off both transactions through my Wells Fargo savings account. 
These transaction as can be proven were to satisfy a loan made out XXXX XXXX XXXX this info was also reflected when card transactions were made. Wells Fargo is claiming it was an on line gambling transaction is is the furthered from the truth. They do want to pay out because of the amount that will have to be paid is over XXXX XXXX dollars on the cash back rewards program. This prob can be filed under counsel for breach of contract. I have reached out on at least 5 different attempts to get resolve on this issue and have been lied to on all. First told it was a glitch in the system and the money would be paid and now told I missed the cards. Again the financial institution is WELLS FARGO. I am prepared to move forward with a law suit if deemed necessary for breach however Id much rather see this handled through this institute. Thank you for your help in getting resolution in this matter.

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 2023-10-08 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: REGIONS FINANCIAL CORPORATION
State: NC

Complaint narrative:
Around XX/XX/XXXX, I mailed a check by placing it in the collection box at a US Postal Service facility in XXXX, NC. The check was made out to the City of XXXX in the amount of {$150.00}, On the evening of XX/XX/XXXX, I decided to check my XXXX XXXX account, and I quickly noticed that the balance was {$0.00}, and upon further investigation, I saw that the check I had written to the City of XXXX had been altered by the person " whiting out '' City of XXXX, replacing it with his name, XXXX XXXX, and changing the amount to {$10000.00}. XXXX XXXX then made a mobile deposit into Regions Bank. My XXXX XXXX branch filed a claim with their corporate office on XX/XX/XXXX, and I immediately contacted XXXX Police Department and filed an incident report. I also filed a report with the US Postal Service. Unfortunately, despite numerous phone calls by me to speak with a XXXX XXXX investigator, no one ever called, except to state that numerous attempts were made to contact me and my phone just rang and rang. Please note that my cell phone never showed any missed calls or voice mail messages. Misinformation was provided to the detective by XXXX XXXX regarding the bank that received the deposit, delaying time. I found out on XX/XX/XXXX that the receiving bank was Regions Bank. NC Attorney General 's Office has informed that Regions Bank is a state-charted bank out of XXXX. XXXX XXXX has informed me that there is nothing I can do if Regions bank does not return my {$10000.00}. I just want to be made whole. I feel as if there is nothing I did to become a victim of this crime, except to mail a utility bill through the USPS. One can easily see that my check was altered. Regions Bank apparently accepted that check, despite the obvious changes that had been made to it. I am hoping that Regions Bank does the right thing by quickly returning my money to XXXX XXXX so that I can continue to pay my bills. I strongly believe that the loss of {$10000.00} would be significant for the average person. I would greatly appreciate any assistance you can provide. 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 explanation
Consumer complaint received 2023-10-08 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: NY

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

Accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 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: NY

Complaint narrative:
There is information on my consumer report that is a result of identity theft. I did not give any written permission in accordance with the FCRA to have the below identified transactions furnished on my consumer report. Please block the reporting of this information. The identified transactions are not related to any transactions by me the consumer. This block is not being made in error, or on the basis of a material misrepresentation of fact. I am, in fact, requesting this block on behalf of myself. 

Accounts are listed below : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account 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 explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: MI

Complaint narrative:
This debt doesnt belong too me this is the result if identity theft and i demand that it be removed immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I want to dispute these accounts because it was affecting my credit report, it was caused by Identity Theft. I did not make these charges. I am having problems with this unfair treatment. These accounts were taken care of with the original creditor and promised me to update it out of my report. Therefore, these accounts shouldn't be in my report. This is an error that you need to look into, so please do your investigation on this and remove or delete this account from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Cedars Business Services, LLC
State: MI

Complaint narrative:
This debt doesnt belong to me this debt is the result of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I was going to use my business checking account or personal debit card to make payments but was advised that I can not use any account that is not under my name or a debit card. Debit card because it will cause payment failures. From my understanding making a payment via debit card is faster as the funds are withdrawn immediately and there would be no concerns with a payment return like it happens with checking/savings account as it takes days to withdraw and can be disputed afterwards. If I came across an issue where I needed assistance and family wanted to help with payments I would not be able to get help to make the payment online as I have to have the bank info under my name. This causes for additional struggles and additional interest to accumulate on my loan. I could be making the payment same day with a debit card if the payment fell on the weekend but because they won't accept it the payment moves to the next business day causing more interest that I was trying to avoid. When getting this loan through this company there were no indications that I would be tied on how I could make my payments. They don't think about making it easier on the customer or try to aid in making improvements for a better customer experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: MOHELA
State: MI

Complaint narrative:
I have an approved IDR application for my student loans as of XX/XX/XXXX when my income decreased. Payment prior to XX/XX/XXXX and the COVID Forbearance was {$370.00} at a higher income than the updated application. The approved application resulted in a {$0.00} payment due to the forbearance, but as I am not required to recertify until XX/XX/XXXX, this is still the validapplication for my PAYE repayment plan starting with the end of the COVID Forbearance XX/XX/XXXX. My billed amount is $ XXXX though MOHELA has confirmed they have the XX/XX/XXXX approved IDR application and pay stubs to prove income on file. They do not have any updated income informationto calculate a payment that would result in almost double what it was prior to the COVID Forbearance. 
I have asked countless times for what information they are using to calculate my loan payment and was told over and over that they do not have that information.According to the Department of Education, they should be calculating my payment using the approved IDR application, and since it is an income-based repayment, there is a specific formula for PAYEto do so. Every loan servicer I have had in the last10 years has been able to provide this informationto me upon request. I have spent almost 6 hours on the phone with them and have spoken to multiple people to get this resolved. I just want my bill calculated correctly. They kept asking me to apply for differentrepayment plans, which I do not want.Finally a supervisor confirmed on XX/XX/XXXX that they have the approved application and income amount from XX/XX/XXXX and said they submitteda request to recalculate my payment amount using the approved XXXX XXXX request. I have not heard from them and the incorrectly billed amount is due today. I just paid the amount since I do not want any negative repercussions to my loanforgiveness plan or credit from not paying. I want my payment to be calculated correctly, and for any amount I've paid that is over the correct fee to be refunded. In addition, I did not receive a billing statement until XX/XX/XXXX, for a due date of XX/XX/XXXX, which goes against the federal requirement to send at least 21 days prior to the bill due date. The statement is backdated to XX/XX/XXXX, which is incorrect.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I never open an account with XXXX XXXX XXXX and I should not have a inquiry from. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX  this needs to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I never open an account with XXXX XXXX XXXX and I should not have a inquiry from. XXXX XXXX XXXX Inquiry : XXXX XXXX, XXXX this needs to be removed

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-10-08 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Harvard Collections, LLC
State: NY

Complaint narrative:
the debt that a collection agency is attempting to collect from me, the debt is a result of identity theft. 
First and foremost, I want to emphasize that I have been a victim of identity theft from a XXXX data breach. I have strong reasons to believe that the debt being pursued by the collection agency is not incurred by me, as I have never engaged in any transactions or activities associated with the alleged debt. The information provided by the collection agency as well as the original creditor, specifically the statements of when the debt was used, does not serve as definitive proof that I am responsible for the debt. It is crucial to understand that the mere receipt of statements does not establish my involvement in the transactions.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: American Credit Acceptance, LLC
State: SC

Complaint narrative:
I had a loan with American credit acceptance, not long after I got the car, I lost my job, fail behind, keep paying and paying and then had to refinance to get caught up.. Then I got XXXX I missed two weeks of work, holidays hit. I got behind but I was paying {$100.00} or more every time I got paid. I dont know what kind of interest charges I was paying. Cause it was like nothing I was giving was going towards any of my payment. They kept telling me I was two and three months behind. Would not work nothing out with me. Then next thing I know they picked up my car.. Ive emailed them several times. Got nothing. I kept asking for number for the local office but i would get told there was not one. I bought the car at XXXX finance through American Credit Acceptance. They pick the car up about 2 or 3 months ago. I dont know what to do. They know pandemic hit. And everyone was struggling. Also I informed them over and over I work third shift. It was hard for me to call them before they closed. I even tried reaching out to someone on their XXXX account. But would never get a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-10-08 00:00:00
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: AMERICAN EXPRESS COMPANY
State: NJ

Complaint narrative:
I got a gift card from amex with {$20.00} on it. I can't use it anywhere. I tried calling their number and they don't have a talk to representative option and the only options are 1. Activate card/ View Balance 2. Report card lost or stolen

Company response to consumer: Closed with monetary relief