vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
This complaint concerns a credit card provision that requires the holder to pay a minimum payment regardless of credits that are issued which satisfy the account prior to the due date. 

I had XXXX charges on my credit card account for XXXX purchases, XXXX for {$40.00} and XXXX for {$17.00} for a total of {$57.00}. XXXX was due by XX/XX/23. I returned a purchase and received a credit of {$21.00} on XX/XX/23 and paid the balance of {$36.00} on XX/XX/23, both prior to the due date of XX/XX/23. The credit and the payment totaled the balance due of {$57.00}. The credit card statement said the minimum payment against the {$57.00} due was {$41.00}. 

The credit card company notified me on the next monthly statement that I was delinquent by the sum of {$4.00} because I failed to make the minimum payment of {$41.00} required by the prior months statement, despite the fact that the credit I received and the payment I made totaled {$57.00}, the full amount of the balance due on the statement. The credit card company said the credit I received for the return could not be applied toward the minimum payment required and the payment I made of {$36.00} fell short of the required minimum payment of {$41.00} by {$4.00}. Therefore I was delinquent in the amount of {$4.00} and subject to a {$30.00} late fee, which they XXXX have credited. 

I should not be required to pay more than I owe. The credit I received and the remaining balance that I paid satisfied the total balance owed in full. Despite having satisfied the balance in full, if I am still required to pay the minimum balance, I will be forced to loan the credit card company {$4.00} for which there is no consideration and for which there will be no consideration. Note that the credit card company acknowledged that it received payment from the merchant for my return credit prior to the due date of XX/XX/23. 

In short, the credit card company received cash payments in full for the entire balance due prior to the due date but was still requiring me to pay an additional overpayment of {$4.00} to satisfy its minimum payment requirement for which I received no consideration. 

The credit card company, Citibank Visa, has no doubt issued millions of credit cards and is getting the free use of millions of dollars of their customers ' money in situations like the one described above. I'm sure that other issuers of Visa and Mastercard are doing the same. This is not right and should not be allowed to continue.

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 2023-11-20 00:00:00
Product: Debt collection — Telecommunications debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: FL

Complaint narrative:
I sent a certified letter asking the company ( Jefferson capital ) to verify this debt. I never did business with this company and have no knowledge of the debt with them. They replied with some generic letter and would not provide me with the proof of contract between me and them or the contract between them and the supposed original debtor. no chain of custody provided and they would not remove the debt from my consumer credit report as required under the FCDPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NV

Complaint narrative:
I sent some letters to the credit bureaus regarding inaccurate items on my credit report. My letters have been disregarded and Ive been receiving letters stating Im using a 3rd party. I have attached my ID and letters to this complaint for your review

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Aargon Agency, Inc.
State: NV

Complaint narrative:
Cancellation Request not properly updated for XXXX XXXX XXXX XXXX, please find duplicates of the correspondence sent through certified mail on XX/XX/2023, addressed to both the XXXX XXXX XXXX XXXX XXXX and the Aargon Collection Agency. This communication pertains to the reported debt, which, to date, has not been validated nor elicited a response.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: VA

Complaint narrative:
I am writing to express my continued concern regarding the accuracy of the information on my account. Despite assurances of the account 's verification and accurate reporting, the data remains inconsistent and inaccurate. I have disputed and requested a reasonable and thorough investigation regarding both accounts numerous times. My request for original documentation, encompassing signatures, contracts, and details about the verification process, has gone unanswered, thereby violating the Fair Credit Reporting Act ( FCRA ) by failing to conduct a comprehensive investigation as inaccurate and incomplete information is still being reported. 

Contrary to Transunions claim of a thorough verification/investigation process, the following discrepancies persist on my Transunion credit report which are inaccurate : Account XXXX XXXX XXXX XXXX acct # : XXXX 1. Account number : Account number is inaccurate. 
2. Monthly payment : Monthly payment for this account was not XXXX. 
3. Date of last payment : No information provided. 
4. Payment history : Payment history is inaccurate across both bureaus, Transunion and XXXX. 

XXXX XXXX XXXX XXXX acct # : XXXX XXXX. Account number : Account number is inaccurate. 
2. Date opened : Account was opened in XX/XX/, this account is over 7 years old. Shouldnt it be deleted from my Transunion credit report? 
3. Account status : Transunion states this account as PAID, that is inaccurate as this account has been CLOSED. 
4. Terms : Transunion states the term were 0 months for this which is inaccurate. 
5. Comments : Not consistent with XXXX 6. Payment history : Not consistent with XXXX. 

The inclusion of inaccurate information on my credit report has severe consequences for my creditworthiness and financial well-being, leading to unjust credit denials. I am dedicated to ensuring the accuracy of my credit report, and I insist on the prompt correction of these inaccuracies. 

Despite previous assurances of a thorough investigation, the reported information remains inaccurate. This a Fair Credit Reporting Act ( FCRA ) violation. Rather than requesting a re-investigation, I am requesting the removal/deletion of both accounts from my Transunion 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 2023-11-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Banking errors
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
I received fraud on my Wells Fargo account over the course of two days totaling {$14000.00} ( XX/XX/XXXX for {$9800.00} and XX/XX/XXXX for {$4900.00} ). While awaiting the fraud department to work on the claim I filled out the account fraud affidavit and had to send it via XXXX because the " enclosed envelope '' was non-existent. I submitted the documentation the day after I got it on XX/XX/XXXX and received a letter today ( XX/XX/XXXX ) that my fraud was declined and that " I sent the money to myself ''. They made this leap because I opened an XXXX XXXX Credit Card back in XX/XX/XXXX and used it exactly 1 time ( there is no history on the account except for that one time {$67.00} payment on my account ). This shows up as a Credit Card ePayment on the account, but the fraud was for XXXX on-Line Bill Pay with an actual account number ( I only have a credit card, no account number with XXXX  ) 8 months later. They claimed that I used the account prior and basically said that the fraud account that I lost my money to must have been the XXXX XXXX Credit Card account ( which has a limit of {$5000.00}, so I couldn't have sent more than that amount even if it was maxed out ), so it was two separate accounts that they deemed matched for whatever reason and didn't even give time for my affidavit to arrive before deeming my life savings as not their problem. I literally proved that the accounts were not the same myself in about 5 minutes and this is all my savings, yet Wells Fargo is doing nothing ( they could have called XXXX and proved this, which they obviously never did either ). Furthermore, Wells Fargo did not ask me to call and have a police report created for the fraud, so I just got one done on my own. Also, the affidavit information has no tracking and they won't provide me with another copy so that I can ensure that they get the information. I have bills due in less than XXXX weeks, and this is the week of XXXX, so I can't buy anything for my family on XXXX XXXX  or XXXX XXXX  now ( I can barely afford my rent now that the account was drained ).

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem with product or service terms changing
Company: EQUIFAX, INC.
State: DC

Complaint narrative:
I signed up some time ago up for free Equifax Complete Premier data montoring as part of a breach settlement ( XXXX XXXX XXXX XXXX XXXX, Case No. XXXX. ). I thought I was signed up, but then I found a credit card was filed in my name- I never heard from this Equifax about this credit pull. I tried to log on to the service but forgot my password and tried password recovery -- this has sent me to a generic error page saying " We are temporarily unable to complete this request. '' - this error has happened repeatedly over days abnd I read it is a regular issue of people trying to log in. I even tried to sign up again with another email and the system says I already have an account and need to sign in. This of course gets me back to the password recovery error page saying " We are temporarily unable to complete this request. '' I called Equifax and the service reps were no help at all- they have said there is no account under this name... they even said there is no credit report at all under my name, which is of course imposisble.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Struggling to pay your loan — 
Company: CCF Intermediate Holdings LLC
State: FL

Complaint narrative:
I had a payment on XX/XX/XXXX I got an email that the payment didnt go through today XX/XX/XXXX. The amount was {$220.00}. Now the balance is {$590.00}. I am overdrawn in my bank account. And Im trying my best to get that resolved. I am barely making it Im on a fixed income. I called in and spoke with an agent named XXXX. And she told me that Im at risk of going to collections. And to move a payment she needs 50 percent I have had cash Central since XXXX of XXXX I have not missed a payment. This is the first time. I have other expenses to pay I have bills and a roof over my head to pay. Last month I was out of town due to a family emergency it has been difficult to get back on track due to my hours getting cut. I called back and spoke with another man I explained the situation and he asked what I wanted to do. And I asked what options there are because I have no way of paying. He asked if Im able to make a payment in two weeks I said I hope I can and he was very snarky towards me he asked me whats going on I said Im in a hardship and he goes what do you mean by that? He went to make a change in the account and he claimed that he couldnt access my account because another agent was in the account. And it was the previous agent that I spoke to it says my account will be charged off and sent to a 3rd party collection. This is not a fair. And I want to come to a resolution to this matter. This has been very tough time for me. My account is overdrawn and I have no way of making up the missed payment. I want to consider an arrangement or come up with a settlement and not do business with this lender again.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: MI

Complaint narrative:
I am writing to dispute the inaccurate names and addresses appearing on my credit report issued by your agency.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
In accordance with the Fair Credit Reporting Act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 

Account Name : XXXX XXXX Account Number:XXXX  Account Name : XXXX XXXXXXXX Account Number:XXXX  Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX XXXX Account Number:XXXX Account Name : XXXXXXXX XXXX XXXX Account Number:XXXX Account Name : XXXX Account Number:XXXX Account Name : XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX Account Number:XXXX has violated my rights. Or a list of inquiries : 15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
To Whom It May Concern : I was in the process of applying for new employment and it was brought to my attention that there is some inaccurate information reporting on my credit report.I received a copy of my credit report and to my surprise I saw all these inaccurate items that are not correct. By the way I hope that this does not hinder my ability to obtain employment due to this inaccurate information showing. I was advised by a legal friend of mine that under 15 US Code 1681a section 603 ( k ) ( b ) ( ii ) can be considered an adverse action.

Therefore I want the following accounts to be updated to the correct amount, date, status, open and closed date, last date of activity and time.

If you can not complete this request, please delete the accounts immediately. I have provided an exhibit of evidence showing the inaccuracies of my reports. 
Please investigate if every piece of information is correct. If not, please remove it from my credit report. 

1. 15 U.S. Code 1681i - Procedure in case of disputed accuracy Account 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 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 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 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 response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Bread Financial Holdings, Inc.
State: NY

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX has been paid in full for moths ; however, each month after receiving confirmation of payment, the bank rejects and returns my payment in full, charges me a late fee. Then when my bank resends the XXXX XXXX processes the XXXX but leaves the late fee and then charges me each month additional late fees. I finally closed my account after paying off these fraudulent charges 3 months in a row. Yet XXXX XXXX continues to charge me late fees and once again damaged my credit score.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: REGIONS FINANCIAL CORPORATION
State: FL

Complaint narrative:
On XXXX XXXX XXXX I paid the outstanding balance of {$240.00}. On XXXX XXXX an unexpected refund of {$1000.00} occurred, leaving my account at- {$980.00}. 

When I contacted customer service, they claimed that I closed the account ( which is not true ), but they refused to explain the reasons and falsely blamed me for the closure. Therefore, I went personally to the branch in XXXX, Florida. After speaking with the Manager at my XXXX agency, I was directed to an agent who vaguely stated, " it's the bank 's policy not to provide explanations, so your money will be refunded within 7 to 10 days. '' This action will impact my credit history, despite having no late payments for years ( as a closed account is a stain that remains on my record for 7 years ). I chose the card to improve my credit and strategically reduced its use to qualify for a more significant credit, such as a mortgage for my home. 

Was I penalized for having no debt? Was my account closed for aiming to maintain a XXXX XXXX XXXX' balance to qualify for a larger credit? Is a closure of {$1000.00} beneficial for a financial institution that could have gained a {$350000.00} home loan? Who is truly making the mistake? 

Regions Bank has been my preferred choice for years, and I have recommended their services to family and friends. This unexpected and unfortunate experience raises serious doubts about the integrity and customer service of the bank. 

I hope that the Regions Bank intervenes and mediates in this matter to ensure a fair and prompt resolution.

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 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: AMERICAN EXPRESS COMPANY
State: FL

Complaint narrative:
Apparently there was a charge in XXXX  for {$39.00}. I had stopped using American Express due to a poor customer experience. When I finally got a chance to call amex to follow up on why i was getting hassled by them via text, email, and 1 phone call it was too late. They already sent in the information. Because it was several months, amex has already changed me late fees and finance fees but apparently they were written off. As we all know they there are so many fraudulent activity actors in this world that i was hesitant in speaking to anyone via phone, clicking on a hyperlink sent by a fraudulent person or an email telling me to log on through the hyperlink. Amex has told me that because i choose paperless statements they were not allowed to send me a paper message about this charge that has not been paid for 3 months and that it was my choice to get the statements this way. I said to them-how is someone who understands fraud actually click on a hyperlink or give someone vital information on a phone call. I said if they had paper mailed to me their attempts to get a hold of me to see why I missed such a small amount considering my account has a {$40000.00} limit. Is it possible that i was unaware of this charge and that amex had not done enough to prevent my account being sent to collections and or missed payments to negatively affect my credit score. Then i tried to explain all of this ( what i am writing here ) and they said to me that they have been trying to get a hold of me for months. I just dont understand why they would not send me a paper notification as to what is happening within my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-11-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: TN

Complaint narrative:
My information was sold and bought illegally because i was a victim of Equifax data breach. I want these items deletedform my credit report immediately. ACCT # XXXXXXXX XXXX ACCT # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX, ACCT # XXXX XXXX, ACCT # XXXX XXXX XXXX XXXX ACCT # XXXX XXXX XXXX XXXX I am attaching proof that Equifax has admitted that I was in fact a victim of this data breach. and Equifax has done nothing.Please help me deletes these illegal accounts from my credit report.

Company response to consumer: Closed with explanation