vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Call citi card company was informed if there was a error on the bank they would not report to the credit bereau, XXXX  XXXX began to argue with me and stated unless there was a error with the bank will I be able to remove the late inquiry on the credit report, what a affiliate 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 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: EQUIFAX, INC.
State: UT

Complaint narrative:
When I or any other lender try to access my equifax credit report the message they receive is that report blocked for promotional purposes. I can not access my current report because of this. I have contacted equifax on several occasions and they informed me that that block has been lifted and to wait 24 hours. I wait 48 hours and try to access my own report again and still still this block language. I requested to lift this language. Despite repeated attempts this language still remains on my credit report and I am trying to refinance my mortgage and I can't even access my own report because of it. I want that language deleted so I can access credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: WA

Complaint narrative:
Citicard advertises a 15.24 % interest rate and I would expect on the unpaid balance. However that is not the case. In four months, XXXX, XXXX, XXXX, and XXXX of 2021 I failed to pay the entire balance for a total of {$6500.00}. At a 15.24 % simple interest rate the amount I would owe them in interest would be 15.24 / XXXX * {$6500.00} / XXXX or {$83.00}. However I have been charged {$850.00} in interest for these ( 4 ) events. I did the simple math on this and it is a 155 % annual percentage rate. I did not agree to a 155 % interest rate. I called Citi and they informed me that the interest rate was calculated on the average daily balance on the period of the billing cycle and does not take into consideration the payments I made. Seems unreasonable to me. This is an interesting problem indeed! 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 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Midstate Collection Solutions, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX i sent a devt validation letter requesting they provide proof i signed a contract that states i owe them any sum of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TOYOTA MOTOR CREDIT CORPORATION
State: MD

Complaint narrative:
To Whom it May Concern, I would like to dispute the 30-day late payment for XX/XX/2021. I've attached a receipt of the cash payment to provide proof that a payment was made before the on time and before the XXXX XXXX. This method of payment is also listed on the XXXX XXXX to Make a Payment page. The payment was made in cash due to a banking error with previous payments from XXXX XXXX being returned. Toyota Financial Services is currently upholding the late payment although a payment was made on the due date. The consumer should not be help liable for processing time. Toyota states in their terms and conditions itll take at least 3 business days to process a payment. I shouldve been allowed that processing time with cash payments as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
I returned my leased vehicle on time and was present for the inspection. 4 years later I discovered that there was a charge that I never knew about for over {$600.00}. I called Volvo and asked them to clarify the charges. They stated that there was a late charge, but the vehicle was turned in on time and they could not tell me what the other charges are for. I've contacted them 3 times to resolve this dispute and they still have not told me what all of the charges are for. This was reported to the credit agencies as a " charge off '', and is negatively affecting my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: I.C. System, Inc.
State: CA

Complaint narrative:
There is a negative account with XXXX XXXX that is affecting my credit. It looks like someone opened an account using my SSN, which I had no knowledge of it existing until I saw how badly it was affecting my credit score. This could be a potential issue of identity theft. The account was opened on XX/XX/2021, which could not be since I do not have an account with 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 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: HW Holding, Inc
State: IL

Complaint narrative:
On XX/XX/XXXX i sent a devt validation letter requesting they provide proof i signed a contract that states i owe them any sum of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: National Credit Systems,Inc.
State: WI

Complaint narrative:
In XX/XX/2017, I became a victim of identity theft with The XXXX XXXX Apartments located in XXXX, GA and with the National Credit Systems also located in XXXX, GA. I have never lived in XXXX, GA and I have proof that I have never lived there and that I am apart of a crime and scam when people relocate to different states with other identifications other than their own. I was fraudulently charged over {$3000.00} in rental charges and eviction fees that are not mine. I am currently working with the police to file charges against the XXXX XXXXXXXX XXXX and the National Credit Systems. I also have proof that the signature the XXXX XXXX XXXX used for the fraud information is also not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX US DEPT. OF EDUCATIONXXXX Late Payments from XXXX XXXX  All Inquiries

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 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I, XXXX XXXX XXXX XXXX, am a victim of identity theft and attached below is my FTC Identity Theft Report. I fully authorize this notice and compliance. I have also mailed all respective CRAs my identity theft affidavit. I have never authorized or gave express written consent to any 3rd party affiliate CRA to furnish my data with the following companies, please be aware, no consent, is identity theft : XXXX XXXX US DEPT. OF EDUCATIONXXXX Late Payments from XXXX XXXX All Inquiries

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, 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:
Disputing late payments reported for XXXX XXXX XXXX on credit reports. On time payments were made. Report payment history with an X to represent Unknown or delete XXXX XXXX XXXX account in entirety from credit reports.

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 2021-12-29 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: FL

Complaint narrative:
I have called this company and I have requested multiple times to have the verification of this account sent to me. I have never received anything from this company I do not know why this is on my credit bureau and I dont even know what Im being billed for. I do not get an answer back from the company I have called multiple times I have emailed them and I have tried to dispute this with you people multiple times as well and I get nowhere. 

I am seriously so done dealing with this somebody needs to get back to me and we need to figure out what this is and what Im being charged for. 

This is unacceptable. 

I am requesting information on the collection account fair collections and out. It says the original creditor is XXXX XXXX- I dont know what that is.

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 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc.
State: CA

Complaint narrative:
I am currently in a processing with the California Mortgage Relief Program and I am a qualify candidate that they can help me with my delinquencies but my mortgage servicer is refuse to assist with this program. Please help me connect with them to resolve this issue to save my only home.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Personal Statement : I am writing this complaint to simply delete the following information in my credit file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commissions Identity Theft Affidavit. Please delete the items as soon as possible

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 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: PNC Bank N.A.
State: CA

Complaint narrative:
After traveling 17 miles to the closest branch, and making a deposit to bring my account current, all funds are not being held for up to five business days after I have already verified the funds availability prior to deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: TD BANK US HOLDING COMPANY
State: PA

Complaint narrative:
Back in XX/XX/2021, I notified TD Bank that I had received in the mail a package from them regarding a new checking account that was opened in my name with TD Bank of which I never opened. I told them that I would report it as fraud and they said that they would close the account, conduct an investigation, and then send me a letter upon conclusion of investigation. As of today, I havent heard from TD Bank and Ive tried everything thing from calling them and sending a letter but Im not getting a response.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I tried to make a purchase at XXXX. It was declined because my card was frozen. I immediately called the bank and checked on online banking. I noticed 4 charges to a XXXX XXXX accompanied by international transaction fees. The transactions were as follows {$35.00} with a international transaction fee {$1.00}, {$34.00} with a international transaction fee of {$1.00}, {$35.00} with a international transaction fee $ {$1.00}, and {$34.00} with a international transaction fee of {$1.00}. Well Fargo immediately canceled my card and I filed a claim with them. On XX/XX/XXXX all the international transaction fees were reimbursed to my account. I was notified by email that claim investigation was finished. I did not see that the funds had been replaced in my account. I called well Fargo claims department and they informed me that my claim was denied. They said I could not appeal or fight it. They said they denied the claim because my chip was tapped ( something that I didnt even know how to do until days after the claim was filed ) in the purchase and they have no information that chips can be duplicated. No one contacted me to ask any questions. I informed them that I googled chip duplication and it can be done. They said that because XXXX tells them its not possible they had to deny my claim. I asked if my money was safe. They would not answer that question. I asked if this has happened to other people because I didnt make this purchase and I cant be the first. He said they get 50 similar complaints a day and they are denied.

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 2021-12-29 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
credit cad was on auto pay for $ 100.pe month. the company raised the minimum to {$100.00}. they received {$100.00} before due date charged {$40.00} late fee for XXXX bill I don't pay late so I don't pay late fees. I sent them {$110.00} for card payment. plus additional XXXX for {$1.00} short payment from XXXX. So now i paid both monthly payments on time an they want {$80.00} in late fees which they ad to the current payment. the treatment is criminal. 
that they ae not happy with the 17.5 % interest they want fees on someone that pays on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Disputing late payments reported for XXXX XXXX XXXX on credit reports. On time payments were made. Report payment history with an X to represent Unknown or delete XXXX XXXX XXXX account in entirety from credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
Disputing late payments reported for XXXX XXXX XXXX on credit reports. On time payments were made. Report payment history with an X to represent Unknown or delete XXXX XXXX XXXX account in entirety from credit reports.

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 2021-12-29 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Global Equity Finance, Inc.
State: CA

Complaint narrative:
I was solicited via direct mail by Global Equity Finance in XXXX of XXXX for a refinance on my existing conventional home loan. I responded to the advertisement and was told to apply online and was approved on XX/XX/XXXX. I subsequently provided all the necessary documents requested, paid for an appraisal, new HUD tags, etc. and was supposed to close yesterday, XX/XX/XXXX. I was told today that my home is ineligible for refinance because the build date was XXXX. They said their records showed my home was built in XXXX. I never provided that date, their records were wrong, they solicited me and charged me hundreds of dollars during the process and then cancelled the refinance. I should not be financially burdened by their incompetence and incorrect data. Had I ever been asked what year the home was built I would have told them XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-29 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC

Complaint narrative:
I XXXX XXXX returned a endorsed remittance slip provided by Capital One in which I Wrote on the negotiable instrument : Offer Accepted for value received {$560.00} for accord and satisfaction of the obligation due. Pay to the order : Capital Once :, for special deposits for special purposes such as bailment or general deposit. Acc # Ending : XXXX and added Without recourse, By accommodation : - to dishonor return within 2 days. on XX/XX/XXXX which they received and signed for XX/XX/XXXX. Capital One accepted and only applied {$1.00} to may balance and have been sending me late fee notices, interest and als reporting false information to the Credit agencies about me. 

I Then made another attempt XX/XX/XXXX which Capital One Received yet again and yet again not efforts have been made to resolve the issue. I then made another attempt but this time I sent a Notice Of Billing Error along with the Offer accepted for value on XXXX which Capital One received XX/XX/XXXX and still no written response nor efforts to resolve this problem. 

Also sent Conspicuous Notice : Enclosed is offer accepted, for an accord and satisfaction of the obligation due. To disregard this instrument still constitutes discharge due, to dishonor said negotiable instrument, payment must be sent back to the sender with a detailed explanation point for point as to why the instrument did not satisfy any claim associated with said " resident '' in accordance with GAAP as well as U.C.C. Article 3. Failure to apply discharge of the obligation to account ending XXXX associated with the claim will represent a billing error. 

Notice of billing error : 12 CFR 1026.13 ( 3 ) ( 4 ) ( 5 ) By Accommodation : Without Recourse I have attached all accompanying evidence for your review. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
Capital One is illegally reporting inaccurate information to credit reporting agencies on my credit report. This has damaged my credit immensely over the past three years. Capital One has repeatedly furnished inaccurate balances and payments. This is illegal and immoral. Attached is a statement from Capita One with the amount owed and payment due. Please hold them accountable for damaging my credit which has caused harm to my well being as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
On XX/XX/2021 my XXXX account was hacked into and withdrew {$55000.00} through 7-8 transactions from my US Bank checking account. I notified my bank the next morning and closed the account, opened a new one and filed a fraud claim through them. As of yesterday, XX/XX/2021, they have denied my claim and completely closed my accounts with them, ending our relationship indefinitely. They have not taken any course of action in fighting this for me and getting my money back. They sent me the audit log that was used in their investigation and clearly shows multiple different IP addresses withdrawing money from my checking account.

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 2021-12-29 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I still can't add my mobile number to the security check it keeping say my number is unsupported and the number is in my name and I am trying to add a second bank account when I do that it take me to the security check and give me issues and here is my old Consumer Financial Protection Bureau Complaint No : XXXX. About the same issues.

Company response to consumer: Closed with explanation