vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
RE-Citi /advantage executive world mastercard account. 
Without our prior permission our account was changed to paperless billing. We did not receive a XXXX statement. I eventually realized and called Citi bank on XX/XX/XXXX. I asked them to change our billing back to paper statements, send a copy of the missing bill and waive the interest and late fees. They agreed to do that. I also paid the outstanding balance using check by phone at the end of the conversation. 
When I got the following months bill, they had not waived the interest charges. I called them and they then said they would only waive {$100.00}, and not the full amount of {$160.00}. They also told me the paperless billing was requested on XX/XX/XXXX. This was the day my family were at the zoo- so I know that no-one requested paperless billing that day. 
It is unethical to charge an interest fee when the customer has not received a bill. 
It is also unethical to change to paperless billing without the customer 's permission.

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 2024-02-24 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: CA

Complaint narrative:
Request for Assistance in Removing Unauthorized Accounts from Credit Report Dear Sir/Madam, I am writing to request assistance regarding unauthorized accounts that have appeared on my credit report without my consent, in violation of consumer protection laws. Specifically, I am invoking the provisions outlined in 15 USC 6802 ( B ) of the Gramm-Leach-Bliley Act, also known as the " Opt-Out '' provision. 

According to this law, financial institutions are required to obtain consent from consumers before sharing their personal financial information with certain third parties. However, I have identified accounts on my credit report for which I did not provide consent for the sharing of my information. 

Furthermore, I believe that the inclusion of these unauthorized accounts on my credit report violates the Fair Credit Reporting Act ( FCRA ), which mandates the accuracy and fairness of information reported by credit bureaus. The unauthorized presence of these accounts not only misrepresents my financial history but also has a detrimental impact on my creditworthiness. 

I request the Consumer Financial Protection Bureau 's intervention to ensure that these unauthorized accounts are promptly removed from my credit report. Additionally, I seek your assistance in investigating the circumstances surrounding the reporting of these accounts and taking appropriate action to prevent similar occurrences in the future. 

The unauthorized accounts are as follows : XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX - XXXX Thank you for your attention to this matter. I trust that the Consumer Financial Protection Bureau will uphold consumer rights and take the necessary steps to rectify this situation. 

Sincerely, 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 2024-02-24 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Credit Corp Solutions Inc.
State: IL

Complaint narrative:
XXXX XXXX I responded to an email attempting to collect a debt from credit corp solutions. I requested more information on the debt. XXXX XXXX I still received nothing and requested the information again. XXXX XXXX still no response. I emailed stating if they did not respond by XXXX XXXX they were forfeiting the debt as I had asked numerous times for more information. XXXX XXXX they emailed again stating they were suing me. I did an online chat with the company and they sent me a link that did not answer all of my requested info, I informed them the info I requested wasnt on what they sent me, she stated I had to email XXXX XXXX XXXX  and ask again. I did so on XXXX XXXX and again no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: NC

Complaint narrative:
15 US Code Section 1681 XXXX  block of information resulting from identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Mortgage — Manufactured home loan
Issue: Trouble during payment process — Escrow, taxes, or insurance
Company: TRIAD FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
Triad Financial Services is a lien holder on my manufactured home. Triad did not pay my property tax on time ( missed payment of XX/XX/year> ). Now, I received a Delinquent Tax Due with penalty on it. I left a message online to Triads on XX/XX/XXXX asking for the reason and when Triad would pay for my tax, but I got no response. I have tried to call Triads Financial Services 2 times on XX/XX/XXXX and XX/XX/XXXX. On the first call, Triad told me to wait and it's under investigation, they will pay out my tax soon. Second time, Triad told me to email the Delinquent Tax statement to XXXX, and they will pay out my tax when they receive it. I followed and emailed Triad on XX/XX/XXXX, but still received no answer or response.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
on XX/XX/XXXX I disputed accuracy on a account that was inaccurate and Experian responded on XX/XX/XXXX accused me of not being be when I have provided proof of address and a proof of i.d . On XX/XX/XXXX I responded to the accusations of their response with another letter telling them to continue the investigation. on XX/XX/XXXX they responded once again stating that they believe the letter is not coming from me.

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 2024-02-24 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: GOLDMAN SACHS BANK USA
State: OH

Complaint narrative:
To whom it may concern I am writing this letter again to get this issue taken care of I dont know what the problem is with the people that work at apple card support in Goldman Sachs I dont know if theres youre XXXX or XXXX XXXXXXXX and ignorant but again for the {$180.00} XXXX charge that is on my account that you say that no credit is due for about the zillion time Im telling you that last XXXX of 2023 I had placed an order with XXXX XXXX and put the order on my apple card the order was cancelled understand me listen again the order was cancelled and it was never delivered to my address I never received the merchandise I never received any merchandise understand and listen to this again never received any merchandise the order was cancelled and I was promised a refund by XXXX XXXX I disputed this charge because I never received the refund from XXXX XXXX XXXX have submitted documentation over and over and over and over and over again to apple card and you keep spewing out the same garbage like you have before now Im going to report this again to the XXXX XXXX XXXX and to the consumer complaint to get this issue addressed because this is ridiculous and Im tired of arguing with apple cart you do not know what you are doing the order was never delivered to me it was cancelled by XXXX XXXX because items were out of stock and they promised me a refund and never did give me a refund and I am entitled to that money I need to get that {$180.00} refunded to me and I need to get that issue taken care of again Im going to be complaining to whoever will listen and Im going to be sending this documentation back over to you yet again.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
Over the past three weeks, my accounts have been repeatedly flagged by Citibank 's fraud systems for routine purchases. Despite daily calls to verify my identity and transactions, my account is cleared only to be blocked again the following day. This cycle has occurred more than a dozen times in the last two to three weeks alone. I've spent countless hours speaking with fraud specialists and supervisors, yet even after adjustments made to my account, the relentless false positives persist within Citibank 's flawed system. It has become an intolerable nuisance.

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 2024-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: CrossCountry Mortgage LLC
State: IL

Complaint narrative:
I applied for a loan modification with my mortgage company back in XXXX of 2023. The modification was approved and shortly after they transferred my mortgage to another company. I was told not to pay for the XXXX payment but instead pay for XXXX because that was the start of the modification for 3 months. After the mortgage was transferred, I kept calling to make sure this information was accurate because I did not want to have a late payment on my credit. Every-time I have called they told me they do not see a payment due for XXXX but they do see the one for XXXX. I went ahead and made that payment in late XXXX. I then went a step further and contact CrossCountry through the XXXX XXXX XXXX to verify that this was in fact accurate. The response I got was that there were no payment due in XXXX and XXXX payment is next due to the modification. Now we are in late XXXX and I keep getting letter stating that I have a past due amount. This is extremely frustrating because no one knows what's going on with the loan. I need this issue resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: EQUIFAX, INC.
State: NY

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.

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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HCFS Healthcare Financial Services of TeamHealth
State: IN

Complaint narrative:
I have been repeatedly contacted by HRRG regarding an alleged medical debt from XXXX XXXX XXXX XXXX XXXX. This particular debt was researched and resolved with both XXXX ( another medical debt collection agency ) as well as XXXX XXXX of Indiana, where it was determined that the bill falls under the No Surprises Act for medical billing. HRRG evidently took it upon themselves to acquire the collection anyway and is now calling my cell phone repeatedly, asking for personal information and using different numbers to reach me each time, as well as sending letters. There is NO DEBT to be collected and HRRG needs to stop contacting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

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.

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 non-monetary relief
Consumer complaint received 2024-02-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: ROBINHOOD MARKETS INC.
State: TX

Complaint narrative:
Robinhood allowed someone to get access to my account while not flagging there new location or the sell of everything I own and transferred to a new bank account added the same day. 
I did catch these and tried to get ahold of robinhood before my money was gone. They have an electronic customer service wall and you cant call anyone without being able to get on your Robin account. 
This happened XXXX XXXX XXXX XXXX and XXXX both have better security and dont allow for new login devices from new locations. 


By the time I was emailed a number to call all of my money was gone. {$2200.00} Thank you for your time and reading my complaint. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 00:00:00
Product: Debt collection — Other debt
Issue: Electronic communications — Contacted before 8am or after 9pm
Company: Sequium Asset Solutions, LLC
State: TN

Complaint narrative:
A debt collection company by the name of SEQUIUM ASSET SOLUTIONS INC furnished an alleged debt on my consumer reports all while violating my federally protected rights. This company is not licensed to collect in the state of TENNESSEE, this company is damaging my reputation per 15 USC 1692d ( 1 ), and I did not receive any written notice in the mail giving me the opportunity to dispute the alleged debt. This company also gives off implications that their communication could be from an attorney per my consumer disclosure report from XXXX. A violation per 15 USC 1692e ( 3 ). Repeatedly sent electronic emails at inconvenient times while I was at work. I received emails at XXXX and after XXXX. A violation of 15 USC 1692c. This debt has not been properly validated. This behavior is both deceptive and abusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-02-24 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: OH

Complaint narrative:
I asked the credit bureaus to do a verification of everything on my credit, they did and stated everything was accurate. I did a thorough investigation myself and found improper inaccuracies on the credit report even after they did a thorough investigation. 


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  In accordance with the fair credit reporting act convergent account # has violated my rights.

15 U.S.C 1681 Section 602 A. States that 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. 

I HAVE ATTACHED PICTURES AND SCREENSHOTS OF MULTIPLE INCONSISTANCYS REGARDING THESE ITEMS AND THE CREDIT BUREAUS STATEMENTS SAYING THEY HAVE VERIFIED WHICH THEY OBVIOUSLY DID NOT THESE ARE ALL INCONSISTENT. 

( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence which is essential to the continued functioning of the banking system.

( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers.

( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers.

( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

( b ) Reasonable procedures It is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, insurance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter.

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 2024-02-24 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: FL

Complaint narrative:
These Hard inquiries don't belong to me, hasn't being authorized by me and has to be removed. Also this as well. Thanks Hard inquiry : 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/year>

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 2024-02-24 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: CA

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 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 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 an 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 2024-02-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA
State: MO

Complaint narrative:
I am on an income driven repayment plan, and had an income recertification due XX/XX/XXXX. Per the XXXX website, it said that any recertification due date before XX/XX/XXXX, would be pushed out one year, so my recertification date should be XX/XX/XXXX. Mohela did not update my recertification date, and has now taken out of income repayment, and placed me on a standard repayment, and now my new payment has skyrocketed to over {$5000.00} a month. The wait times are hours long, and I work a full-time job during their office hours. I have sent emails and have not received any responses. Ive spoken with many others who have run into the same problem, and they also have encountered the same horrible communication and misinformation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation