vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-06-22 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
In summary, due to a newborn arrival, I got 1 day delayed in a full statement payment, resulting in only partial payment for that month. The amount left over was about {$1000.00}, which was paid in full the next day in addition to all other balances in my account. In the following 2 months, I got surprised by about {$79.00} in charges, which is an absurd APR ( {$79.00} for 1 day! ). 

Upon discussion with customer service, they finally admited to weird and likely unlawful practices of charging interest for at least 2 months, irrespective whether I paid the bill the next day or not. In addition, any new charges to the credit card was " game '' for them to charge me more interest, which were transactions not even billed yet, so there was no way I would have known I was paying interest on them and would otherwise have long dropped this credit card to begin with. 

This is effectively charging interest on purchases that have not made into a statement yet, giving the consumer the wrong impression of how a credit card should work. Had I known they would keep charging me interest on any balance on the card, including current in progress cycle, I would have stopped used this credit card immediately. I clearly had the funds to do so, as you can see on the timeline attached, I just missed 1 day of payment. Overall, this seems malpractice, a sort of scam to charge more interest, completely diminishing the trust in this financial system, and potentially causing imense hardship for customers that are already struggling to pay their bills. This seems illegal to me and should likely be reviewed by the State Attorney 's General Office and be target for Class action suits, since it might be impacting millions of Americans trying to stay afloat in the economy. This ultimately makes their bills unbearable to pay for if they don't have the means. 

This agency should review these practices and decide whether this is legitimate type of interaction and whether it's not an abuse of consumers ' trust.

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 2024-06-22 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: Exeter Finance, LLC.
State: KY

Complaint narrative:
i did not authorize anyone from this company to check my credit or run a credit check

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: CITIBANK, N.A.
State: KY

Complaint narrative:
i did not authorize anyone from this company to check my credit or run a credit check

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 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I had moved and returned free equipment using provided label. Years later I see the late account and contact XXXX, also filed dispute. 
XXXX said the would remove the entry, as it was not a paid account at all, but free Internet program. 
Now I find they marked it paid and credit reporting will not remove it I can provide suprring documents

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: CBC Companies, Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX I am writing to dispute the inclusion of bankruptcy information on my credit profile maintained by Innovis. Pursuant to 28 U.S.C. 1452, it is unlawful to obtain court records and use them to report bankruptcies on consumer credit reports.

According to federal law, bankruptcy records should not be used for the purposes of credit reporting, as outlined under 28 U.S.C. 1452. Therefore, I request the immediate removal of any bankruptcy-related information from my credit profile with Innovis -Case number : XXXX -Filing date : XX/XX/year> -Type of bankruptcy : XXXX XXXX XXXXCourt jurisdiction : XXXX XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: EQUIFAX, INC.
State: TX

Complaint narrative:
A new fraudulent account has been reported. I am distressed over how easy things are reported with very little validation.. the account isnt mine. 

XXXX XXXXXXXX XXXX XXXX XXXX XXXX Ive never had XXXX. This is fraudulent and a violation of -15 usc 1681b specific 1681b ( a ) ( 2 ) Permission or Consent to report -15 usc 1681c-1 If you cant produce proof then Without consent its identity theft -15 usc 1681c-2 Block items reported as identity theft Also 15 U.S. Code 1681e ( b ) reads " Whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. '' Equifax is willful aiding identity theft

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Co-signer
Company: IOWA STUDENT LOAN LIQUIDITY CORPORATION
State: IL

Complaint narrative:
Aspire Serving Center To reach us by TTY/TDD, please leave a message at ( XXXX ) XXXX. 
Spousal Loan Consolidation : PLSF, Separation, or consolidation is not possible due to the government not completing the paperwork. 

Federal Student Loan : Department of Education Borrower Defense Customer Support XXXX Send your completed Application for Borrower Defense to Loan Repayment to : U.S. Department of Education Federal Student Aid Information Center XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX We have been paying on this loan since XXXX. Twenty-Three years later we owe more money than when we consulted our student loans. I have contacted Representative XXXX for assistance. His staffers said, to file a complaint. I believe this loan has been sold to XXXXXXXX XXXX even though our bill comes from Aspire. 

We have been told by the federal government to leave this loan in forbearance. We have been told that this loan will not invertedly effect our credit scores. This is simply not true. 

First Payment under Spousal Consolidation XX/XX/XXXX Payment {$300.00} {$28000.00} Hide Details Payment - XX/XX/XXXX This payment was applied to the following loans : Disb. Date Loan Type Principal Interest Late Fee Totals : {$95.00} {$200.00} {$0.00} XX/XX/XXXX CONSOLIDATION LOAN {$95.00} {$200.00} {$0.00} Spousal Consolidation Loan Principal Paid : {$37000.00} What is Principal Balance? 
Total Fees Paid : {$0.00} How do I avoid Late Fees? 
Interest Paid : {$48000.00} How does Interest accrue? 
Amount Paid : {$86000.00} How do I Pay Off my loan ( XXXX )?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: MD

Complaint narrative:
In accordance with the Fair credit Reporting act XXXX Account # 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I entered a Debt Management Program in XX/XX/year> for my XXXX card with account number ending in XXXX. The payment was agreed at {$130.00} each month which I have made every month on time. In XXXX XXXX reported to Equifax and XXXX that my account was 30 days late.In that same month XXXX reported to XXXX that I was current. I received an letter from XXXX in may acknowledging delayed handling of my Debt Management Program setup and that they would handle, but late reporting has persisted. I disputed this with Equifax and XXXX and both stated the reporting was confirmed as accurate but provided no proof of that. This line was never 30 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 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: LCI Acquisition Inc.
State: GA

Complaint narrative:
XXXX XXXX XXXX I am writing to dispute the inclusion of bankruptcy information on my credit profile maintained by XXXX. Pursuant to 28 U.S.C. 1452, it is unlawful to obtain court records and use them to report bankruptcies on consumer credit reports. 

According to federal law, bankruptcy records should not be used for the purposes of credit reporting, as outlined under 28 U.S.C. 1452. Therefore, I request the immediate removal of any bankruptcy-related information from my credit profile with XXXX. 
-Case number : XXXX -Filing date : XX/XX/year> -Type of bankruptcy : XXXX  XXXX -Court jurisdiction : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Other service problem — 
Company: Coinbase, Inc.

Complaint narrative:
In XX/XX/year>, I opened a Coinbase account. Shortly after opening the account, I received a XXXX transfer of XXXX XXXX from another wallet into my Coinbase exchange account. However, when I attempted to access my account, I was informed that my account was under review. 

Coinbase contacted me through email with the case number # XXXX, requesting additional information to complete the review process. I promptly provided all the requested documentation, including sensitive personal information. Despite my compliance, I have not received any response or update from Coinbase regarding my account status or the transferred funds. This issue has persisted since XX/XX/year>, which is an unacceptable delay. 

I have sent multiple emails to Coinbase seeking clarification and assistance, but I have not received any meaningful replies. Furthermore, I recently received another email from Coinbase stating that I had 10 days to respond to a previous email, despite having already responded multiple times. 

This lack of communication and resolution is highly distressing and unacceptable. I request your assistance in urging Coinbase to address this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: CAPITAL ONE FINANCIAL CORPORATION
State: WA

Complaint narrative:
XXXX overcharged me XXXX. Upon refuting the charge, I okay 'd my usual {$7.00} monthly charge instead thinking it was quickly corrected. Quicksilver [ CapitalOne ] fronted the overage amount of {$17.00} while contacting XXXX agreed that they overcharged and refunded {$17.00}. Instead of the card company applying this amount to the front {$17.00}, they kept that amount for their fronted amount and then a month later charged me {$17.00}. I contacted XXXX to see if they could pull their {$17.00} back so my card company would refund me but they say they don't do that. I contacted my credit card company requesting that they refund me and they won't do it. HELP!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: ROBINHOOD MARKETS INC.
State: OR

Complaint narrative:
On XX/XX/year> I tried to make a purchase online via XXXX the merchant site gave an error saying the transaction didnt go through. I contacted the merchant they said Robinhood the card issuer cancelled the charge and that the pre authorization with drop off in three days. However Robinhood claims the transaction settled and is forcing me to go through a dispute even though the merchant says the transaction is cancelled on their side. Essentially it seems a technical issue on Robinhood side and their trrribly inadequate customer service is basically letting them hold my funds hostage in violation of federal regulation.

Robinhood has been terrible to work with and I think their inaction and holding my funds hostage warrants a thorough investigation into whether they violated federal law or regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I entered a Debt Management Program in XX/XX/2024 for my XXXX card with account number ending in XXXX. The payment was agreed at {$130.00} each month which I have made every month on time. In XXXX XXXX reported to XXXX and Transunion that my account was 30 days late.In that same month XXXX reported to XXXX that I was current. I received an letter from XXXX in may acknowledging delayed handling of my Debt Management Program setup and that they would handle, but late reporting has persisted. I disputed this with XXXX and Transunion and both stated the reporting was confirmed as accurate but provided no proof of that. This line was never 30 days late.

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 2024-06-22 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: FISERV FINXACT CORE
State: CA

Complaint narrative:
ispute Number XXXX Filed today XX/XX/XXXX Transaction id for the disputes XXXX THE TRANSACTIONS FROM XX/XX/2024 - XX/XX/2024 I DIDNT AUTHORIZE ANY OF THESE SOMEONE USED MY CARD AND DRAINED OUT ALL MY MONEY THIS IS the 2nd time now its happened. I thought it was just stacking my money. Please give it back. 
XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX is my XXXX XXXX XXXX XXXX XXXX is the card number The merchants names is XXXX XXXXXXXX XXXX XXXX XXXX XXXX  all the transactions after XX/XX/2024 I didnt do. They gave me a new card before for the same thing happened PLEASE FIX THIS. Temporary credit asap. 
THIS HAS HAPPENED TO ME BEFORE. I was saving all my unemployment money in there and the money they gave me back from someone stealing it the first time. Please I want my XXXX $ back. This is ridiculous

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: IN

Complaint narrative:
I recently reviewed a copy of my credit report and noticed I had fraudulent accounts on my report. please remove the account from my report it is hurting my ability to obtain credit.

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 2024-06-22 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: MO

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 informationisinaccurate.

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 2024-06-22 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Sequium Asset Solutions, LLC
State: NJ

Complaint narrative:
I have XXXX collections on my credit report XXXX from XXXX XXXX XXXX, XXXX XXXX XXXX and XXXX XXXX XXXX I never signed into a contract with any of the 3 collection agency and I don't owe any debt that they are attempting to collect on and also neither of the 3 is Licensed and Bonded to do any business in the state that I am living in so how is they reporting anything on my credit report this is a violation of my rights

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-06-22 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
When I applied for an auto loan on XX/XX/XXXX with XXXX, they rejected my application and informed me that other people were using my SSN. I immediately contacted all three credit bureaus. They confirmed that only the last 4 digits of my SSN were visible and when I explained the situation about my auto loan rejection, they escalated my case to a supervisor who could see the full SSN. The supervisor confirmed that there was a discrepancy in my SSN : the third digit was incorrect in Equifax, and the entire SSN was incorrect in XXXX. I mailed all my proof documents, and they informed me on XX/XX/XXXX that my SSN had been corrected. 

However, when I applied for another auto loan with XXXX on XX/XX/XXXX, it was rejected again due to concerns that others were using my SSN. I need assistance in correcting my details with all three credit bureaus. I have obtained credit reports from all three bureaus, but I can not find my full SSN listed. All other details on the reports are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: DISCOVER BANK
State: FL

Complaint narrative:
I paid XXXX to a company XXXX XXXX XXXX to install XXXX, in XXXX % 1 days later no lights were installed. XXXX. I tried to talk to the company, they refused with excuses and bs. I went to XXXX XXXX who installed the lights. Discover was given a fraud report from the police I filed and a receipt from the company that actually installed the lights. They refused to refund my money. Even after multiple reviews. They lie when the commercials on television say they care and protect customers. They abuse them. Horrifically and do not care about their consumer base or fraud policies. even with plain evidence from law enforcement and receipts. I chose not to sue because it is not worth the stress, i close my account and will tell everyone I know they are terrible to the customers the supposedly care about. I will pay the amount off, to protect my credit but I do not have to and do not care. They are lucky I am even willing to pay this off. Treating fraud like this with police evidence and straight evidence from the installing company and relying on a handwritten note from the liars makes them accomplices to fraud and XXXX XXXX. I will also post on social media this ridiculous treatment and file reports monthly until they make changes to protect customers, OR stop lying on their commercials on television. I hope XXXX XXXXXXXX fires them all when they buy them out. They would deserve it.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-06-22 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: Radius Global Solutions LLC
State: NJ

Complaint narrative:
I was ( am ) a victim of identity theft. I have requested an investigation from the bureaus and the company that has now started to report this fraud on my profile Radius Global Solutions XXXX XXXX XXXX XXXX, MN XXXX In addition to my fraud alert request I Have requested Radius Global Solutions provide proof that this account belongs to 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 explanation
Consumer complaint received 2024-06-22 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: TX

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 informationisinaccurate.

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