vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-09-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I recently ordered my consumer credit file from Transunion, XXXX and XXXX and notice these late payments with XXXX XXXX XXXX XXXX XXXX  # XXXX. I am requesting all late payments be removed from my file this finding has caused stress, my credit utilization to increase which ultimately has caused a low credit score and credit denials along with higher interest rates. 15 USC 1666 Does not include Late Payments. Please remember 15 USC 1681 ( b ), & 15 USC 6802. I have a right to privacy and I never gave any of the credit reporting agencies permission to furnish a report on me in the first place. The line of credit that I have with your company, which is characterized as utilization on my consumer report. Your company is illegally reporting this experience i.e. my utilization. On my credit report. Your company is in clear violation of the law pursuant to 15 USC section 1681 2 ( a ) ( i ) -exclusions except as provided in paragraph three, consumer report does not include a subject to section 1681S - 3 -of this title any ( i ) Report containing information solely as two transactions are experiences between the consumer and the person making the report. The law clearly states transactions or experience between the consumer which is myself and you the corporation making the report are not included on my consumer report. Utilization is an experience with the line of credit that was extended between the Consumer and me the person. Congress clearly states that the reporting transactions are experience between the consumer and the person making the report is not to be included on internal reports. My privacy rights has been violated and I have been denied credit due to your reporting of late payments and utilization.

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 2022-09-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: Paypal Holdings, Inc
State: OH

Complaint narrative:
On XX/XX/XXXX I placed a pay in 4 installment plan with PayPal for XXXX XXXX, which is a grocery store. They didnt have some of the items I needed so the amount changed after the plan was in place. 

PayPal charged me {$57.00} for the initial authorization hold of the plan. After the plan had processed they updated the total and then charged me {$51.00} which is the final cost of each installment payment. I was charged two separate authorization holds.

Mistakes and glitches happen so I reached out to PayPal about the two charges. Im getting installment plans for groceries for a reason, money is very tight right now so I need every XXXX. 

PayPal sent me a letter apologizing for the inconvenience and said they would void the duplicate authorization and send the money back. I have screenshots of my bank statement and this letter. I had the {$57.00} put back in my account. 

Today every charge has officially posted and the {$57.00} has come out again along with the {$51.00} being posted. 

I contacted PayPal through messages since every piece of information was still in that message thread. the representative who initially said they would refund it said they couldnt see a transaction for {$57.00} on PayPal ( I couldnt either because theyve adjusted it ) I offered to send my bank statements again and send them back the letter of them apologizing and she ended the chat. 

I understand how authorization charges work. Ive had a pay in 4 amount change before and it all evened out. I have been double charged on this one and PayPal is treating me like Im lying. 

They told me to reach out to my bank and I did, they have told me to reach back out to PayPal since I have the letter saying they would refund me. I called PayPal after they ended the chat and was transferred 4 times and each person said they couldnt find that transaction ( then I would say yes I have the proof ) and talked in circles about how charged work. I know theyre doing their job but I was met with accusation and pointing the finger back at me like its my problem to hunt my money down. They said they couldnt do anything. Every time I told them I understand authorization charges but they charged me twice. Both have posted for the same installment plan, nothing fell off and nothing has been refunded yet. 

Ive also filed a complaint with the ftc because I refuse to get bullied and ran around by a multi XXXX dollar corporation. This isnt right and they recognized that it was their mistake but now refuse to do anything about it- and are acting as if they already resolved it. 

In a nutshell : my installment plan charged me twice and theyve fully posted. Once for {$51.00} and once for {$57.00}. The {$57.00} should be refunded to me. They voided {$6.00} to reflect the {$51.00} but I still have a full charge for {$51.00} and {$57.00} and no one will listen to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: U.S. BANCORP
State: IL

Complaint narrative:
I closed my account on XXXX and was assured that no transactions would allow the account to reopen. I specifically asked about ACH transactions and they reassured me that no attempted transaction would reopen the account. However, on XXXX an attempted ACH transaction from the previous co-account holder was issued and caused the account to go negative in the amount of {$450.00}. As the previous co-account holder can not be contacted, I called the fraud department and asked that they reverse the transaction and reclose the account. They initially agree but then retracted stating that there was nothing they could do about an ACH, contrary to what I was told when I closed the 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 2022-09-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on 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 2022-09-20 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: IN

Complaint narrative:
I have tried to send my disputes to the major credit bureaus but are having difficulties in submitting my disputes and getting the inaccurate information corrected on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 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: CITIBANK, N.A.
State: MD

Complaint narrative:
This is not a duplicate complaint. I filed a complaint in regards to my Citibank XXXX XXXX XXXX ending # XXXX not a Home Depot account handled by Citibank. To date my complaint in regards To the Citi XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. 

On or around XX/XX/2022, I filed a complaint with the CFPB against, Citibank, XXXX and XXXX, XXXX for refusing to report my Citibank XXXX XXXX card ending account # XXXX. 

In my complaint I did not say Home Depot credit card handled by Citibank I specifically wrote in my complaint that Citibank is refusing on report Citi XXXX XXXX card ending account # XXXX. 

Instead of Citibank properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my Citibank XXXX XXXX card, Citibank used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. 

On or round XX/XX/2022, I received my XXXX, XXXX and XXXX credit report and noticed they are inaccurately reporting my Citibank XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted Citibank or the three credit bureaus and disputed Citibank XXXX XXXX card ending account # XXXX line of credit. In addition, XXXX refused XXXX report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. 

I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold CitibankXXXX accountable. 

I want CFPB to investigate Citibank fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by Citibank. 

I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.

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 2022-09-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with customer service
Company: CITIBANK, N.A.
State: CO

Complaint narrative:
I am 12 days late on my credit card payment and have received 14 robo-calls from Citi bank between the dates of XXXX XXXX XXXX and XXXX XXXX XXXX. This feels like harassment and I've blocked their phone number on my phone, but this doesn't prevent them from leaving voice-mail and filling my voice-mail box, preventing me from receiving future voice-mail from potentially much more important people unless i go through and delete the voice-mail daily. On average, Citi bank calls 3 times a day, leaving voice-mail ranging in length from 1min 2sec long to 2min 11sec long. I'm well aware I have a payment due and I will be getting paid in the next few days to complete this payment as I do not want my account to become 30 days late. This feels like harassment and they shouldn't be able to call every day, 3 times a day, leaving 3 voice-mail a day... 

The payment was due XXXX XXXXXXXX XXXX 
These calls are on XXXX and each call has an accompanying voice-mail : XXXX XXXX calls : XXXX, XXXX, XXXX. 
XXXX XXXX calls : XXXX. 
XXXX XXXX calls : XXXX, XXXX, XXXX. 
XXXX XXXX calls : XXXX, XXXX, XXXX. 
XXXX XXXX calls : XXXX, XXXX, XXXX. 
XXXX XXXX calls ( so far ) : 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 2022-09-20 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC.
State: GA

Complaint narrative:
XX/XX/2022 Midland Funding communicated negative {$4400.00} billing information to credit bureaus XXXX, XXXX, and XXXX without consent directly or indirectly they are a 3rd party collection agency who by identity theft ( Privacy Act 174 15 USC 1692C ) received my personal information from XXXX XXXX XXXX Bank ( original debt collector )

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I contacted NetCredit collections team : ( NetCredit Collections Team Phone : ( XXXX ) XXXX Email : XXXX Fax : ( XXXX ) XXXX ) somewhere between XXXX and XXXX of this year XXXX to find out when my last payment was due to complete paying off my loan which was agreed by them to make payments until it was resolved. When the time came to close the loan as account paid, I was told that I still owed another {$5000.00}. I explained that according to the agreement established by them and me that my loan was paid in full. Even though we had an agreement they still enforce collection and severely affect my credit score because this matter isn't resolved. I obliged my part of the deal but they are not obliging their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Debt Co LLC
State: FL

Complaint narrative:
Identity Theft and Fraud, FDCPA, FCRA and PRIVACY violations.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: GA

Complaint narrative:
during a merger process between People 's United bank and M & T this month, the bill pay section of my checking account ( People 's United ) was left out of the transfer process. as a result the automatic payment ( attached to the checking account ) that was set up, were not made. I reached out to M & T XXXX after receiving a call from a payee about missing payment, spoke to supervisor XXXX to see about possibly restoring bill pay to account or relief with possible late fee I may have incurred. I was met with platitude and no real solution to the problem, they have created. prior to merger, there were no communication about possible glitch with bill pay or about feature not transferring with checking account. as a customer I am left scrambling while the bank hold no responsibility. so far this is the problem that I have encountered with this merger. I wanted it noted that I currently live in a state ( GA ) that does not have an M & T branch.

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 2022-09-20 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: MD

Complaint narrative:
This is not a duplicate complaint. I filed a complaint in regards to my XXXX XXXX XXXX XXXX ending # XXXX not a XXXX XXXX  account handled by XXXX. To date my complaint in regards To the XXXX XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. 

On or around XX/XX/2022, I filed a complaint with the CFPB against, XXXX, TransUnion and XXXX, XXXX for refusing to report my XXXX XXXX Preferred card ending account # XXXX. 

In my complaint I did not say XXXX XXXX credit card handled by XXXX I specifically wrote in my complaint that XXXX is refusing on report XXXX XXXX XXXX card ending account # XXXX. 

Instead of XXXX properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my XXXX XXXX XXXX card, XXXX used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. 

On or round XX/XX/2022, I received my TransUnion, XXXX and XXXX credit report and noticed they are inaccurately reporting my XXXX XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted XXXX or the three credit bureaus and disputed XXXX XXXX XXXX card ending account # XXXX line of credit. In addition, XXXX refused to report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. 

I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold XXXX accountable. 

I want CFPB to investigate XXXX fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by XXXX. 

I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.

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 2022-09-20 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: Experian Information Solutions Inc.
State: MD

Complaint narrative:
This is not a duplicate complaint. I filed a complaint in regards to my XXXX XXXX XXXX XXXX ending # XXXX not a Home Depot account handled by XXXX. To date my complaint in regards To the XXXX XXXX XXXX XXXX ending # XXXX, has not been acknowledged by all parties. 

On or around XX/XX/2022, I filed a complaint with the CFPB against, XXXX, XXXX and Experian, XXXX for refusing to report my XXXX XXXX XXXX card ending account # XXXX. In my complaint I did not say XXXX XXXX credit card handled by XXXX I specifically wrote in my complaint that XXXX is refusing on report XXXX XXXX XXXX card ending account # XXXX. 

Instead of XXXX properly investigating the right account and acknowledging the core competences of my actual complaint file with CFPB in regards to my XXXX XXXX XXXX card, XXXX used another delay and fraudulent tactic by responding to CFPB with a different account with full knowledge this was the wrong in account in question further delaying reporting of a line of credit and history in good standing effectively lowering the credit scores of Americans of XXXX descent. 


On or round XX/XX/2022, I received my XXXX, Experian and XXXX credit report and noticed they are inaccurately reporting my XXXX XXXX XXXX card ending account # XXXX current open line of credit with excellent payment history as an account in dispute without payment history I have never contacted XXXX or the three credit bureaus and disputed XXXX XXXX XXXX card ending account # XXXX line of credit. In addition, XXXX refused to report any payment history for this account or current balance left this information blank effecting my debt to credit ratio, effectively impacting the credit score. I believe this reporting error is intention and designed to lower credit scores of Americans of XXXX descent. 

I want the CFPB to investigate this deceptive business practice and find out how many Americans of XXXX descent are being impacted by this deceptive reporting practices and hold XXXX accountable. 

I want CFPB to investigate XXXX fraudulent responses CFPB consumer complaint and how using other wrong account information to respond to consumer complaint to deflect their deceptive business practices on the right account held by XXXX. 

I also want the CFPB to enact and enforce laws to protect consumer from this type of abusive reporting practice designed to lower American of XXXX descent credit scores.

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