vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: AZ

Complaint narrative:
This has happened multiple times, but the most recent fact pattern is : On XX/XX/XXXX, I made a payment ( via app ) to my Citi credit card in the amount of {$10000.00} ; I believe this was the statement balance due by XX/XX/XXXX. On or about XX/XX/XXXX, my purchases started to be declined. I called Citibank and was told the card was maxed out, despite the fact that the IVR indicated there was open credit ; app also showed XXXX payment had been applied and credit line opened. Citi rep informed me that the XXXX payment was being held until XX/XX/XXXX. Why? Good question. First they said it was " fraud indicators. '' I asked what fraud indicators and rep said no, there are no fraud indicators. Then I was told " account is new. '' It's not that new. Then I was told it was because I made " multiple payments. '' I only made the one payment, and there was another minimum auto-tpayment made as is scheduled every month ( a service Citi offers and presumably encourages ). 

I've had this same problem before and was told that once I let the hold expire once, it wouldn't happen again. I did that and yet here we are. I asked for a supervisor. Specifically, I asked for an on-shore supervisor because the initial rep was off shore and difficult to understand. 

Next, Citi rep asked me if the bank holding the paying account was open. How am I supposed to know that, and how is it my responsibility? After much angry arguing, Citi connects to XXXX, the bank where my payment DDA is held. XXXX confirms that the payment was initiated on XXXX and posted on XXXX. Citi then decides it can apply the payment. 
How long is Citi allowed to " hold '' the payment once the money is posted out of my payment account? Why did it take me 2 hours of extremely frustrating phone calls to effectuate a payment that I made 12 days earlier? Citi consistently prevents me from both using this card and from paying this card. 

I requested information on why this happens, what authority they have to do it, and why it happens to me specifically. I have never missed a payment, I don't carry a balance, I have an XXXX credit score. What factors are motivating Citi not to apply a normal, expected, on-time payment? Are they trying to force this account into a bad status?

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 2024-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am listing accounts below that have been reported inaccurately on my credit report. In compliance with the Fair Credit Reporting Act and as a gesture of respect to the Federal Trade Commission Committee on accuracy and completeness of credit information I am formally writing in today to dispute negative information appearing on my credit. This incorrect information is greatly hindering me from getting the credit score I deserve and hopefully, this letter will resolve all the issues on my credit. I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) of the accounts listed below. Your failure to positively verify these accounts has hurt 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 non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Prepaid card — Government benefit card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Bank of America I am writing to file a formal complaint against Bank of America for continually denying my claims and withholding funds that I am owed. Over the past several months, I have been dealing with numerous issues related to my account and have not received adequate and appropriate resolution from your institution. 

I am owed over {$30000.00} which has been wrongfully denied for several times. I have made repeated attempts to file a claim for the funds but each time my request has been unjustly denied without proper justification. 

Furthermore, I recently discovered that I had attempted to file a claim over a year ago and was assured by Bank of America that my claim had been opened. However, I later learned that this was a lie as the claim was never processed or even acknowledged by your institution. 

In my pursuit of resolution, I also sought help through the XXXX XXXX XXXX and I was advised by a Bank of America executive to contact them directly. Despite my repeated attempts to reach out to the executive, I have not received a response from them.

It is evident that Bank of America has been negligent in addressing my concerns and this has severely affected my financial situation. I strongly advise that someone from your institution contacts me immediately to address this matter. This is my final attempt to settle this without taking legal action. 

This is for my XXXX account. 
Card # XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX for {$260.00}. I do not have a contract with XXXX XXXX XXXX, and was not provided the original contract as requested. A request to remove this illegitimate account from my credit report has been submitted several times but the furnishers of information continue to claim this account has been verified without providing proof of investigation and findings. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: TX

Complaint narrative:
I am not liable for this debt with XXXX XXXX for {$260.00}. I do not have a contract with XXXX XXXX XXXX, and was not provided the original contract as requested. A request to remove this illegitimate account from my credit report has been submitted several times but the furnishers of information continue to claim this account has been verified without providing proof of investigation and findings. Pursuant to 18 USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15 USC 1681b 2. This company has no permission to report anything using my personal information pursuant to 15 USC 1681 4.

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 2024-01-05 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: Alorica Inc.
State: TX

Complaint narrative:
Systems & Services Technologies is not reporting my account information to any of the 3 credit bureaus ( XXXX, XXXX XXXX XXXX ). I have requested multiple times for Systems & Services Technologies to report my account information to all 3 credit bureaus but they fail to report my account information so Im now submitting a complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: FIFTH THIRD FINANCIAL CORPORATION
State: MI

Complaint narrative:
On XX/XX/XXXX, I received a suspicious activity email from XXXX Third Bank. Someone tried charging XXXX XXXX tickets to my account in the sum of {$1000.00}. Fifth Third denied the transaction. Within minutes of that transaction, another charge was made through XXXX XXXX for {$270.00}. This transaction was not flagged and was allowed to go through. I reached out to Fifth Third and told them I did not authorize this transaction and wanted a dispute opened. 

When I did that, they canceled the credit card and sent me another one. When I looked at my statement, the new card number was already documented on my account and had a pending charge to it. I had not even received the card yet. I yet again called Fifth Third Bank and they told me when the first card was canceled it was not done correctly so when the new card was added into the system, subsequent places such as XXXX XXXX was sent the new card number. So they canceled the second card, including the ability to send updates to other systems and sent me a third card. Now they are denying the my dispute and asking that I pay theXXXX. The documentation they sent that was provided by XXXX XXXX clearly says NO CVV, address or zip code was provided. This is not a charge I made and my identity was not confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
Account Name XXXX XXXX Account Number XXXX Account Balance {$14000.00}. 15 USC & 1681n Civil liability for willful noncompliance, 15 USC & 1681o Civil liability for negligent noncompliance, 15 USC & 1681e Compliance procedures, In accordance with the Fair Credit Reporting Act, the list accounts has violated my federally protected consumer protection rights to my privacy and confidently under 15 USC 1681, 15 USC 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY. 15 USC 168 SECTION 604 A. STATES A CONSUME REPORTING AGENCY CAN NOT FURNISH A ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS. 15 USC 1681C ( A ) ( 5 ). STATES NO CONSUMER REPORTING AGENCY MAY MAKE ANY CONSUMER REPORT CONTAINING ANY OF THE FOLLOWING ITEMS OF INFORMATION. 15 USC 1681C ( A ) ( 5 ) ADVERSE ITEM OF INFORMATION, OTHER THAN RECORDS OF CONVICTIONS OF CRIME WHICH ANTEDATES THE REPORT BY MORE THAN SEVEN YEARS. 15 USC 1681S-2 ( A ) ( 1 ) PERSON SHALL NOT FURNISH ANY INFORMATION RELATING TO A CONSUMER TO ANY CONSUMER REPORTING AGENCY IF THE PERSON KNOWS OR HAD 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 2024-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
see all letters attached

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 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
XXXX XXXX, Equifax and XXXX all 3 report information that is not my identity since I have a XXXX XXXX with a similar name, I have notified it and it affects me to such an extent that because of this error I can not rent is a big problem and that again y don't do nothyng

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I have hard inquires on my report that I would want removed off my report due to identify theft 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 explanation
Consumer complaint received 2024-01-05 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: FL

Complaint narrative:
I have hard inquires on my report that I would want removed off my report due to identify theft XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with rewards from credit card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
Unable to transfer rewards points to partners ( airlines, hotels ) on Capital One website as advertised. Attempts lead to error message and direction to call customer service, which confirms issue has been ongoing for multiple months. No expected resolution date provided. The ability to transfer rewards to specific partners was the main reason I even considered opening this credit card. 

Error message reads : " Looks like we don't have the necessary contact info to complete a security step. Give us a call and we'll get you back on track '' Checking my profile, there is no information missing. Phone, email, address, etc. are all entered correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt or credit management — Credit repair services
Issue: Confusing or missing disclosures — 
Company: FREEDOM FINANCIAL NETWORK
State: MD

Complaint narrative:
Would like XXXX XXXXr to XXXX build my credit all the way Up

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem using a debit or ATM card
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA

Complaint narrative:
On XX/XX/2023, I discovered I was hacked when my card was declined trying to make a purchase. I then checked my account and saw the transactions. Although notifications were turned on, Capital one didn't notify by any means of any activity, including suspicious activity. I never got notice about any returned check. 
They refuse to refund me, and closed my accounts against my requests. I provided all the proof I could including the police report. The person who was using my bank account, which we don't know who it was, was cashing multiple {$700.00} checks into my account which then bounced, leaving me at $ XXXX in my checking account. Capital One refuses to help me and instead took money out of my savings account without my knowledge or permission to pay back the debt I was put in by the hacker. I am being held responsible and am being punished when I am the one who was hacked and I have spoken to about a dozen different representatives, supervisors and such from Capital One and no one has been willing to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: FL

Complaint narrative:
I demand you excluded ALL XXXX XXXX XXXX XXXX transactions/experiences from my consumer report immediately. The status, late payments are all transactions/experiences. According to 15 USC 1681 a Definitions ; Rules of Construction ( 2 ) Exclusions- Consumer Report- DOES NOT INCLUDE- ( A ) ( i ) Reports containing information solely as to transactions or experiences between the CONSUMER AND THE PERSON MAKING THE REPORT, also 15 USC 1666b Timing of Payments ( a ) time to make payments- a creditor MAY NOT TREAT A PAYMENT ON A CREDIT CARD ACCOUNT UNDER AN OPEN END CONSUMER CREDIT PLAN AS LATE FOR ANY PURPOSE also 15 USC 1682b- Permissible Purpose of Consumer Report 15 USC 1681eb Maximum Accuracy Shall be Reported! I have disputed on numerous occasions that XXXX are constantly increasing the amounts which is effecting my credit score on a monthly basis and making it look as if the charge off had just occurred for that month, which is inaccurate reporting, how does amounts change on a dormant account? All the XXXX transactions and experiences need to be excluded from my consumer 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 non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was paid
Company: Unifin Inc.
State: MN

Complaint narrative:
Unifin , Inc. XXXX XXXX XXXX Texted and emailed threaten message to comply and pay a debt that was charged off in XXXX on XX/XX/XXXX. 

I was also a XXXX resident for the next 9 years until XXXX with no judgement ever being issued for any debt. 

There has to date not been a judgement issued in XXXX where I live for work temporary. 

Since no judgement was sought or granted during the 6-year period as required by the state of XXXX where this debt originated from. I am seeing this as venue shopping and an illegal attempt to collect a debt that has long since expired.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

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.

has violated my rights. Or a list of inquiries : 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 2024-01-05 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: IL

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Credit reporting or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information is incorrect
Company: Checkr, Inc
State: FL

Complaint narrative:
There are two different reports that Checkr provided to two different companys. The first was spark, Checkr reported my license status as suspended on XXXX. My license is active and not suspended. I went to the courthouse and requested a print out that shows my license as current and provided that to Checkr. 

Then today XX/XX/2024 I received an email stating that Checkr completed another background check and they are still reporting my license as suspended. So I called the DMV and they said that if they ran a check today and they are stating it is still showing suspended then I need to get a copy of that report because it is inaccurate. So even after I disputed this with Checkr on the XXXX they are still reporting inaccurate information

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: CA

Complaint narrative:
the company is looking for a person I have never heard of and I requested a DNC twice with reps and they are still calling my phone number

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: GA

Complaint narrative:
I am writing to dispute the claim made by JEFFCAPSYS asserting that I owe them a debt. To date, no proof of this alleged debt has been provided despite multiple requests. Furthermore, there was no initial debt with the original creditor. I request thorough verification and documentation of the debt in question. I expect all collection activities to cease until proper validation is provided. Your prompt attention to this matter is appreciated. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-01-05 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCF Intermediate Holdings LLC
State: TN

Complaint narrative:
I received a credit update from XXXX XXXX stating I have a collection from " XXXX CASHCENTRAL XXXX '' I have NEVER done business with this company and do not owe them any money. I want this collection deleted from my credit file IMMEDIATELY and never reported again. I did not receive any written communication prior to this showing on my credit report. This is against the law. Remove from all three credit reporting agencies : XXXX, XXXX and XXXX.

Company response to consumer: Closed with explanation