vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-06-02 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
I lost my job in XXXX of XXXX due to XXXX  hardships with my employer. Due to being on unemployment for several months at a much lower income and then having to take a job at a salary of more than $ XXXX less annually, I could not afford to pay my high rate interest credit card through Citibank. I opened this credit card in XXXX of XXXX and was never late on a payment, and always paid at least the minimum amount due. When I was in tremendous financial hardship due to XXXX however, Citibank was unwilling to work with me to try and work out a payment plan, all the while charging me over 25 % interest each month. 

My mortgage lender ( XXXX XXXX - XXXX XXXX ) was so helpful and offered me a loan forbearance plan to where I could pause my mortgage payments and nothing would be reported to my credit that I was late or behind in payments, and I am not being charged any finance charges or late fees. My mortgage lender is still being so helpful and working with me again now and they have extended my forbearance plan XXXX times so now it runs through XX/XX/XXXX. In addition, my auto loan company ( XXXX XXXX XXXX ) has also been so helpful and has allowed me to make my monthly car payment in XXXX installments each month with no interest, late fees or penalties. 

Citibank on the other hand, is a predatory lender and has been completely ruthless, repeatedly calling and harassing me and demanding I pay the full amount that is past due plus the new finance charges that accrue each month, even though I haven't used this credit card since XXXX. 

I know my rights outlined by our United States Constitution and what Citibank is doing is unlawful by charging me such an outrageous interest rate and late fees. 

My credit scores were in the mid to high XXXX 's in XXXX and now I am barely in the mid XXXX 's now. 

Citibank ( XXXX XXXX XXXX I, XXXX, as Assignee of Citibank , N.A . ) has filed a lawsuit against me ( Case # XXXX in XXXX XXXX, Illinois ) and I have to appear in court on XX/XX/XXXX to defend myself. I can not afford to hire a lawyer to help defend me. I can't even afford the nearly {$6.00} per gallon of gas each week to get to and from work, let alone food for my family and I have been a struggling single mother for almost 18 years. 

I really need your help. Thank you for your time. 

Sincerely, 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 2022-06-02 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: EQUIFAX, INC.
State: GA

Complaint narrative:
I filed a dispute with XXXX, Equifax and XXXX, credit reporting agency, I have paid off XXXX XXXX - account number - XXXX XXXX XXXX XXXX which was paid off in the amount of XXXX on XX/XX/XXXX. XXXX, has responded back to stating that the Dispute that I filed was inaccurate and the credit reporting is correct. 

This is not correct as this is paid in full with XXXX XXXX. This is a prime example of the reporting agency not really following up with your dispute request when consurmer are filing a dispute. 

Please update my credit file for this creditor. This is paid in full. Please see the attached paid in full letter and update my credit file for all agencies. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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 — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: VA

Complaint narrative:
Last XX/XX/2021, I sent out my dispute letter to you and its been over 7 months now, and I havent received any response from you yet. As per my understanding, under section 611A, you are legally obliged to respond to my dispute letter within 30 days. However, up to this day, I received nothing from you which is ridiculous. This is in fact a clear violation and negligence on your part. Just so you know, I am keeping records of everything and should you continue to ignore my disputes, I am going to seek litigation for all the troubles youve caused me. I am trying to have these errors corrected for my family, but you seem to be not interested in helping me get this done. My information was impacted by the data breach and may have gotten into the hands of the wrong person and it's your obligation to fix all these errors.

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 2022-06-02 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: Experian Information Solutions Inc.
State: GA

Complaint narrative:
I filed a dispute with XXXX, XXXX and Experian and the other two credit reporting agency, I have paid off XXXX XXXX - account number - XXXX XXXX XXXX XXXX which was paid off in the amount of XXXX on XX/XX/XXXX. XXXX, has responded back to stating that the Dispute that I filed was inaccurate and the credit reporting is correct. 

This is not correct as this is paid in full with XXXX XXXX. Thisis a prime example of the reporting agency not really following up with your dispute request when consurmer are filing a dispute. 

Please update my credit file for this creditor. This is paid in full. Please see the attached paid in full letter and update my credit file for all agencies. 

XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Debt collection — Payday loan debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
ACCOUNT NUMBER : XX/XX/XXXXACCOUNT NAME : XXXX ACCOUNT NUMBER : XX/XX/XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT XXXX : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions

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 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

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 a account without my written instructions

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 2022-06-02 00:00:00
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Other transaction problem — 
Company: Block, Inc.
State: SC

Complaint narrative:
I have cash app and last Thursday a friend sent me XXXX. I did instant cash out and never received my money. Now they have taken it out of my account twice more and now owe me over XXXX dollars. I have tried on many occasions to get my money with no resolution and i personally believe I was scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
The accounts listed below are still showing on my report, you have failed to removed and delete the items that I have disputed. I am a victim of Identity theft since these accounts is not attached to my Home address.

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 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
On XX/XX/XXXX, I asked my mom to deposit XXXX in cash to my Chase checking account so I could write my rent check for XXXX. They refused the deposit unless I bought their Cashier Check for XXXX XXXX So, mom went to her bank, XXXX XXXX XXXX and purchased a cashier 's check to deposit. They deposited the cashier 's check and have placed a hold until XX/XX/XXXX. No explanation, no warning, and they bounced my rent check. Please help me with my money that they are using as they wish.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: EQUIFAX, INC.
State: MS

Complaint narrative:
I can say that I am being ignored by your agency for not removing items as per my request and as per what I've listed in my FTC report, I do not grant you an authority to report versus me to verified these accounts that I told you incorrect and inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: Experian Information Solutions Inc.
State: MS

Complaint narrative:
I can say that I am being ignored by your agency for not removing items as per my request and as per what I've listed in my FTC report, I do not grant you an authority to report versus me to verified these accounts that I told you incorrect and 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 2022-06-02 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
On XX/XX/XXXX I contacted Transunion about the following negative accountsXX/XX/XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$570.00} ), BANK XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$7200.00} ), XXXX XXXX BANK ( Date Opened : XXXX. XXXX, XXXX, Balance : {$120.00}, XXXX. ( Date Opened XXXX XXXX, XXXX, Balance : {$510.00}, XX/XX/XXXX( Date Opened : XXXX XXXX, XXXX Balance : {$480.00} ), XXXX XXXX XXXX ( Date Opened : XXXX. XXXX, XXXX, Balance : {$2700.00} ), XXXX XXXX ( Date Opened : XXXX XXXX, XXXX, Balance : {$6600.00}, ), XX/XX/XXXX ( Date Opened : XXXX, XXXX, Balance : {$930.00} ). Its been over 45 days and Transunion havent respond to my request as they are required to by the Federal Credit Reporting Act. Click on the box below.

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 2022-06-02 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Getting a loan or lease — Fraudulent loan
Company: Byrider Franchising, LLC
State: RI

Complaint narrative:
I was looking for a car and went to JD Byrider. Their company, CNAC, is the company I did business with. I was late on a few payments and started receiving harassing phone calls ( violation of 15 US code 1692b ( 3 ), 15 US code 1692c ( a ) 1 and 15 US code 1692d ( 5 ). As I learned more about consumer finance, I realized they had violated my rights as a consumer in so many ways. The loan was started XX/XX/XXXX. I asked for a validation of debt pursuant to 15 USC 1692g. I sent an affidavit of facts and evidence of them violating aforementioned laws and sent an invoice of violations to them. They never responded and today took my car. I sent these documents as certified mail and have proof they signed for it. I sent it XX/XX/XXXX and it was received XX/XX/XXXX. I realized the contract was fraudulent and they left out the Truth In Lending Act which made me pursue and request remedy

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: TX

Complaint narrative:
I have been monitoring my credit report with Experian for about a year and I check my report often and I notice a few day ago a debt collection agency popping up out the blue states it been there but it was not so on there before I disputed XXXX XXXX for XXXXXX/XX/XXXX which XXXX XXXX reported for the sameXX/XX/XXXX Which I spoke with XXXX has a different amount so they say it was not a duplicate I only had 1 past due account with XX/XX/XXXX and the number listed to contact XXXX XXXX is a recording

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 2022-06-02 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: Chime Financial Inc
State: TN

Complaint narrative:
My debit card info saved in the XX/XX/XXXX app was stolen and I was charged for 4 transactions totaling {$160.00} on XX/XX/2022. The unauthorized XX/XX/XXXX orders were placed in 4 different states in the same afternoon. I immediately saw the notification from my bank ( chime ) and disabled and cancelled my debit card to avoid further theft. I flagged these 4 fraudulent transactions in my banking app as well. Ive spent a lot of time trying to correct this and receive a refund- I have tried all methods of communication ( chat, email, phone ) with both companies involved ( Chime and XXXX ). Despite my tenacious attempts, no resolution has been made. XXXX customer service agents directed me to file a chargeback with my bank. They said that in instances like these, the bank will refund their customer and then chipotle will refund my bank as well as pay them a small fee. I relayed this information to chime customer service agents. I followed up after my dispute for fraudulent transactions was denied by chime. They told me no error was made. I rebutted this decision and requested that my dispute case be reopened. I emailed screenshots of the order confirmation emails I received fromXX/XX/XXXX, showing the time as well as the various locations that these transactions were made. My request to reopen my fraud investigation was declined. I have followed up with every email and phone call from chime and XX/XX/XXXX. This has been shockingly difficult to receive any help. I asked both companies multiple times what I could provide to prove my location was nowhere near the locations of these transactions. The only answer chime customer service agents provided me was the to send in a photo of a paystub if I worked on the XXXX. This theft occurred on the weekend, so I was at home all day, not at work. After telling customer service agents this, no other real solutions were given. I had no idea it would be this frustrating and difficult to simple receive a refund of my stolen money. Finally, I came up with an idea to email chime support a photo I took at my house on the afternoon of XX/XX/XXXX ( when the fraudulent orders were placed ). I also attached a screenshot of the metadata of that photo - proving that I was at my house when theXX/XX/XXXX orders were placed in multiple states far from my location. Im not sure how else to prove to my bank that these four transactions were fraudulent. Chime responded once again in an email saying that sufficient evidence was not provided. Please help this come to the correct resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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: EQUIFAX, INC.
State: NY

Complaint narrative:
I have informed you on my recent dispute the following items are very inaccurate, incorrect and negatively affecting my credit rating plus it goes against the Fair Credit Reporting Act :

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
Compliant XXXX, I am awaiting the credit agency 's Experian response regarding my dispute dated XX/XX/XXXX as well as a response to their letter on XX/XX/XXXX, which is against my consumer rights and federal law. The agency has 30 days to complete its investigation of a dispute and provide the information requested by the consumer. I being the consumer have not received any of the information requested from Experian regarding my complaint on XX/XX/XXXX. The agency failed to maintain reasonable procedure, failed to ensure maximum accuracy, and committed fraudulent activities with my personal information. It has been well over the given timeframe of 30 days, the agency is violating my rights and the law.

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 2022-06-02 00:00:00
Product: Credit reporting, credit repair services, 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: FL

Complaint narrative:
CFPB : In accordance with the Fair Credit Reporting Act XX/XX/XXXX BNK, Account # XXXX has violated my rights XXXX5 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 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 2022-06-02 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: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I sent you letters regarding accounts in my credit report that I do not validate but they are still showing on my report. You failed to comply you failed to remove account that I do not validate, these accounts are no way attached to my home address and not supposed to be in my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-06-02 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY

Complaint narrative:
See XXXX which you closed. BAC sent an absurd reply the other day. It can not disclose info. on my account so it is closed. But I wrote you two years ago, more than 2 yrs. ago I saw XXXX XXXX at the branch, XXXX XXXX, XXXX XXXX, XXXX and she called HQ and was told that since BAC had lost the signature card the acct could not be closed. I emailed XXXX all underlying docs. This new BAC response says I do not own the account. But besides the lost signature card, they have proof of my ownership plus they would have digital copies of the checks I wrote on the account probably on microfilm since goes back so long. Again, I emailed XXXX all of the docs requested, they lost the signature card, if I were not the owner why did BAC send me monthly statements for decades? 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