vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-01-30 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: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CAPITAL ONE XXXX Open/Closed Account Type Balance Date Opened 2 Credit cards & credit lines Closed Credit Card {$200.00} XX/XX/2021 And i keep trying to get it off and it keep saying verified remains and how is it and its not mine

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: MS

Complaint narrative:
They declined to remove fraudulent accounts.

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 2023-01-30 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: MS

Complaint narrative:
They declined to remove fraudulent accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
XXXX we got loan from tower loan wife got injured on the job on workmans comp hard to pay loan 6 months late they have threatened legal action 6 to 7 times my multiple people in company we paid account regularly until injury we have explained as soon as we have we will pay the loan off but they are persistent calling two to three times a week each time telling me we will just turn over to our attorney

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Problem with balance transfer
Company: CITIBANK, N.A.
State: ME

Complaint narrative:
I called to do a balance transfer with citi mastercard by XXXX. I confirmed with customer service that I could submit a another balance transfer in the already open transfer and was told that I had one year to make more transfers. I asked how much I could transfer. She let me know that my limit was {$2000.00} but if I wanted to transfer more, I would need to increase my credit line. I agreed to increase as I have excellent credit. 
I was transferred to the department that handles increases in credit limits. My limit was increased to {$6000.00} and a hard pull on my credit was executed. 
I asked to handle the balance transfer and was transferred back to the customer service department where I was then told my another representative that I could not make any balance transfers. 

I was then escalated and transferred to a supervisor for the mistake who submitted the claim. I confirmed that if I signed up For another citi XXXX account with a balance transfer Offer ; I would be able to transfer a balance. 

But now that I have a {$6000.00} limit this will effect me being able to obtain any more lines of credit and a significant balance ( not just {$2000.00} ) I submitted my complaint and no one could tell me what the options for resultions were. They simply stated they could not reverse the credit limit increase nor could they give me a balance transfer. I feel this is fraudulent behavior and poor interdepartmental communication on consumer credit policies and laws

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 2023-01-30 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: EQUIFAX, INC.
State: VA

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer rights to privacy and confidentiality under 15 U.S.C. 1681. 

Account : XXXX XXXX, account number : XXXX Account : XXXX XXXXXXXX XXXX account number : 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 also states a consumer reporting agency can not furnish an 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. 1681 section 2 ( a ) ( 1 ) states 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 response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: CO

Complaint narrative:
In accordance with the Fair Credit Reporting Act code 15 USC 1681, it is EXPERIAN 's duty to provide accurate and fair credit reporting. Failure to do so directly impairs the efficiency of the monetary systems and directly undermines public confidence within said systems. It is imperative that EXPERIAN only provide the most accurate and up to date reporting to continue the proper functioning of the banking systems.

EXPERIAN is reporting 5 late payments, 90 days delinquent on the XXXX XXXX XXXX  accounts. ALL 5 accounts beginning in : 6418 All 5 of these accounts include a late payment of 90 days, set on the month of XXXX of year 2017. This is incorrect information being reported and shall be reported as PAYS or PAID AS AGREED. These items shall also be REMOVED as any form of DELINQUENCY or DEROGATORY events. Furthermore, persuant to 15 USC 1666b, A creditor may NOT treat a payment on a credit card account under an open end consumer credit plan as LATE for any purpose, UNLESS the creditor has adopted reasonable procedures designed to ensure that each periodic statement including the information required by section 1637 ( b ) of this title is mailed or delivered to the consumer not less than 21 days before the payment due date. Also adding in violation to 15 USC 1681a ( d ) ( 2 ) ( A ) ( i ), by furnishing any transactions as late payments. The term " consumer report '' does NOT include information solely as to transactions or experiences between the consumer and the person making the report. Therefore, late payments do constitute transactions and thus, EXPERIAN is in clear violation of my federally protected consumer rights.

Lastly I NEVER provided EXPERIAN with my express written consent to furnish these inaccurate late payments on to my consumer report and this in violation with 15 USC 1681b ( a ) ( 2 ).

These inaccurate and derogatory statements have caused myself and my reputation unnecesary harm and difficulty as a consumer and as a natural person. I have written this letter without ANY connection or affiliation with a third party.

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 2023-01-30 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: NC

Complaint narrative:
Good evening, Thank you for taking the time with this matter. Many of the inquiries on my account were not authorized when I was applying for auto loans, they told me they would be applying for XXXX XXXX but did not know they sent my information to other financial companies. 
The below list is all of the inquiries that I did not authorize. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2023-01-30 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: EQUIFAX, INC.
State: NC

Complaint narrative:
Good evening, Thank you for taking the time with this matter. Many of the inquiries on my account were not authorized when I was applying for auto loans, they told me they would be applying for XXXX XXXX but did not know they sent my information to other financial companies. 
The below list is all of the inquiries that I did not authorize. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
Hello! I'm a XXXX resident. XXXX XXXX I opened a Citibank checking account online. My Grandmother who has a joint money market account with her niece instructed to send an international wire transfer of {$12000.00} to my newly opened Citibank account. When that deposit hit my account on XX/XX/XXXX I tried to XXXX myself {$500.00}. Immediately citibank flagged the transfer and froze both our accounts. Both my aunt, grandma and myself called citibank to confirm the wire transfer was valid but they did not adhere and told there would be an investigation and all monies would we distributed within 60 days. We kept calling all there XXXX numbers/fraud department and got run around every time. I went into a local branch in XXXX on several occasions for help. I dealt with XXXX XXXX XXXX who again who was not much help. In XXXX both our accounts were closed, and a check for the remaining balance that was left in my grandma 's account was sent. My grandma initiated this transfer as I was going to visit her in XXXX in XXXX where she lives 50 % of the time and wanted me to bring the cash for her medical fees & visits as she is XXXX XXXX. After my Grandmother called citibank in XXXX to get clarity on where her money is still no answer and let her know someone would be in touch. We then received a call from XXXX XXXX @ citibank XXXX XXXX in XXXX from the major incident dept. Again he has been little help and recently told us we need to call another XXXX number. It has been almost 7 months that Citibank has held hostage {$12000.00} and we still don't have any answers. My grandmother is old and has health issues and this money that is being held hostage from my grandmother is completely unacceptable.

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 2023-01-30 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: CA

Complaint narrative:
Experian has not updated the information. They will take something off and then add an old account showing a charge off. I have sent 1099A and 1099C to IRS 6-9months ago and Experian refuses to update. I have several credit companies I use to check my credit and EXPERIAN NEVER GETS IT RIGHT! Putting my credit in constant trouble afte I have already discharged the debt with IRS. ALL COMPANIES HAVE BEEN NOTIFIED AT LEAST 3/4 times in the last 2 years. 
I provided an accurate up to date credit report from XXXX. 

XXXX XXXX XXXX  A proposed class action lawsuit has been filed against XXXX XXXX XXXX XXXX XXXX XXXX which the suit notes also does business as XXXX XXXX and XXXXXXXX XXXX  XXXX XXXX over claims that the company violated the Fair Debt Collection Practices Act ( FDCPA ). The plaintiffs in the case, a married couple, allege that they received a collection notice from the defendant that stated they owed {$330.00} in undisclosed fees. The suit argues that these collection fees were not authorized by the plaintiffs contract with their creditor and were therefore illegal.

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 2023-01-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: JPMORGAN CHASE & CO.
State: CO

Complaint narrative:
Hello I bank with Chase and I recently had my savings account of {$800.00} completely drained by a wire transfer to a Chase representative. Chase stated they would help me even while still having the funds in process by switching it to a new account - the following day they transferred them from the new account anyway and after opening a claim they denied me within 24 hours. They have the instance recorded by phone and refuse to investigate or refund me my {$800.00} due to failing to do a wire recall with their shoddy process.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 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: DISCOVER BANK
State: TN

Complaint narrative:
My mom XXXX  at the end of XXXX and I contacted discover as I was overwhelmed with expenses. It was made very clear that Discover had XXXX options for me other than if I paid late, I would incur additional fees and interest and my amount due would increase. I would also have charging or using the card be cut off. I explained again this was a financial hardship and was told in no uncertain terms that the next time any assistance would be available - not only a program, but any hardship, forebearance, payment arrangements- literally there was XXXX help until XX/XX/XXXX. Discover agents made it clear that my financial hardship would result in more penalties, fees, and interest. XXXX agent offered a credit to my account but out the payment in place 1 day after a due date - triggering late fees and penalties above and beyond any credit. I had to file multiple complaints to have anyone offer a late fee refund but at that point the financial penalty to me was already larger than any refund. 
When I called earlier today to speak with Discover, an agent went through my account and he reviewed all the notes and expressed dismay that there had been no help affered to me to help me stay current- it was all penalty on top of penalty until I could just not recover. No program, no hardship, no forebearance, no payment plans offered until eventually last month XXXX XXXX I was given an option that was again just prioritizing Discover be rewarded for these last several months of financial punishment. I agreed that it was super clear that Discover intended to make it as financially punishing as possible. I have filed complaint after complaint after complaint based on the very bizarre way Discover has handled this, handled credits, poor communication, agents scheduling payments to be put in late - and despite numerous complaints being filed on my behalf- it just continues to accumulate fees and interest and more financial benefit to Discover. The agent said earlier today that he could see I would have been eligible for assistance but was confused as to why it was not offered to me when it could have helped me stay current. I called back later today to document with discover that I was clearly told that I would have XXXX assistance in any way until XXXX of XXXX and the agent I spoke with said shed file a complaint on my behalf. She put me on hold to ask a supervisor if there was any assistance for me at this time and came back to report what I had heard before- the only options were those that ignore my prior complaints and maximize the amount that Discover is repaid - the same as if I stopped paying in XXXX and decided today I needed to call versus the last 6 months of complaints and requests for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30 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: MI

Complaint narrative:
On XX/XX/XXXX I sent an identity theft report and a certified letter to Experian that was delivered XX/XX/XXXX. The report was disputing XXXX unauthorized and fraudulent inquiries, and the letter was to update my personal information. On XX/XX/XXXX I received an email response from Experian showing that they deleted XXXX inquiry, and updated my personal information. However, on XX/XX/XXXX I received a copy of my consumer report from Experian dated on XX/XX/XXXX showing the fraudulent inquiry still reporting. This is a violation of 15 USC 1681c-2 ( a ) for refusing to block information resulting from identity theft, 15 USC 1681b ( a ) ( 2 ) for furnishing a consumer report in accordance with the written instructions of the consumer to whom it relates, 15 USC 1681e ( b ) for failing to follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates, and 15 USC 1681n ( a ) for willful non compliance of deleting unauthorized items 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 2023-01-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: Portfolio Recovery Associates, LLC
State: CT

Complaint narrative:
I am repeatedly getting phone calls over seven times per week. I am getting calls early in the morning and late in the evening. Recently they started calling my place of employment and I asked them to stop. They do not stop. It is relentless perpetual harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-01-30 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:
EQUIFAX is reporting an inaccurate late payment for the XXXX XXXX XXXX XXXX  account ending in XXXX. This is a 30 day late payment posted on XX/XX/2022. This is incorrect and supposed to be reported as PAID AS AGREED. Furthermore, pursuant to 15 U.S.C. 1681a ( d ) ( 2 ) ( A ) ( i ), a consumer report does NOT contain information solely as to transactions or experiences between the consumer and the person making the report. A transaction constitutes these late payments resulting in EQUIFAX violating my federally protected consumer rights. I did NOT give EQUIFAX written instruction/permission to furnish these inaccurate late payments on my consumer report or file, violating 15 U.S.C. 1681b ( a ) ( 2 ). It is clear that EQUIFAX has violated my federally protected consumer rights under the FCRA and the inaccurate reporting is causing me and my reputation severe harm and discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-30 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I received an SBA loan in the amount of {$140000.00} on XX/XX/XXXX of XXXX. It was deposited into my Citibank account # XXXX. After a week or so, Citibank froze my account. I went to the branch where I was informed that there was a fraud investigation pending. I verified myself as the account holder and was told to check back in a week. I went back to the branch and was told they would be closing my account and sending me a check for the remaining balance within 7 days. After 10 days I went back to the branch and they told me that they were sending the funds back to the SBA. They refused to provide me with any paperwork reflecting what they were going to do with the funds. Last month, XXXX of XXXX I was able to log on to my SBA loan portal and noticed that my balance was still reflecting the entire amount of {$140000.00}. I called the SBA and told them what happened. They told me they have not received any funds back from Citibank for my account. I called the bank and have been getting the runaround for a month. Sometimes they just say they can't help me because my account is under investigation and they just hang up on me. Other times they tell me they are going to get more info and to wait for an email or a call that never comes. I have called over 20 times and am still not able to find what the next step is to get them to either release the funds to me or send it back to the SBA. I am now paying interest for money that Citibank is holding on to. Their customer service has no clue how to handle my situation, they keep transferring me to different departments and the branch says they are not able to do anything for me. So I can not got to the branch or call Citibank to get help. I don't know what other option there is for me at this point. They should not be able to do this to their customers. They are holding onto funds that do not belong to them. I would like for them to either release the funds to me or send it back to the SBA so my interest payment reflect the amount I was actually able to use.

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