vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I called Citibank to pay the balance on my credit card. The system would not let me make a payment and I was transferred to the " fraud '' department. I spoke with someone called XXXX in the XXXX who did not speak very good XXXX. She could not locate my account so I am denied the ability to make a payment on my card

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 2023-04-27 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: MD

Complaint narrative:
On XX/XX/ received an email from XXXX regarding report number XXXX dispute results by XXXX XXXX XXXX XXXX ( XXXX ) Dispute came back, Updated so I looked to see what was updated. The month of XXXX is reporting late. I first called XXXX about the late payment in XXXX, the rep. Told me that they did not put it on there that the data furnisher furnished it. ( XXXX XXXX XXXX  ) when I called XXXX XXXX XXXX, and told them about the late payment. The Rep. replied : THATS IMPOSSIBLE! And went on to say that we only report on the first of the month, that my bill is due on the XXXX of the month, it has not been 30 days and on the first of XXXX would not make me late.Theres no way XXXX XXXX XXXX  marked you late. 

( XXXX XXXX a natural person ) XXXX told me that they didnt do it, XXXX telling me that they didnt do it. Yet its still on my consumer report. Its inaccurately reporting. 15 usc 1681i procedure and case of disputed accuracy.

I would like for the CFPB TO REINVESTIGATE this matter. 
It also says my recent payment was XX/XX/ thats inaccurate as well, but I have transactions from my bank to prove this to be inaccurate incomplete.

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 2023-04-27 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: EQUIFAX, INC.
State: MD

Complaint narrative:
On XX/XX/ received an email from XXXX regarding report number XXXX dispute results by XXXX XXXX XXXX XXXX ( XXXX ) Dispute came back, Updated so I looked to see what was updated. The month of XXXX is reporting late. I first called XXXX about the late payment in XXXX, the rep. Told me that they did not put it on there that the data furnisher furnished it. ( XXXX XXXX XXXX ) when I called XXXX XXXX XXXX, and told them about the late payment. The Rep. replied : THATS IMPOSSIBLE! And went on to say that we only report on the first of the month, that my bill is due on the XXXX of the month, it has not been 30 days and on the first of XXXX would not make me late.Theres no way XXXX XXXX XXXX marked you late. 

( XXXX XXXX a natural person ) XXXX told me that they didnt do it, XXXX telling me that they didnt do it. Yet its still on my consumer report. Its inaccurately reporting. 15 usc 1681i procedure and case of disputed accuracy.

I would like for the CFPB TO REINVESTIGATE this matter. 
It also says my recent payment was XX/XX/ thats inaccurate as well, but I have transactions from my bank to prove this to be inaccurate incomplete.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
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: MI

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-27 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: IN

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IN XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : 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 Below are the negative account/accounts impacting my credit 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 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 2023-04-27 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: IN

Complaint narrative:
To Whom It May Concern : I am writing to update/correct my personal information on file with your company. 

Please update my address to : XXXX XXXX XXXX XXXX, IN XXXX Please update my name to : XXXX XXXX My only social security number is : XXXX My only and correct date of birth is : XX/XX/XXXX I do not wish to have any telephone numbers on my report. 

Previous Addresses : 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 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 Below are the negative account/accounts impacting my credit 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 explanation
Consumer complaint received 2023-04-27 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: Fidelity National Information Services, Inc. (FNIS)
State: FL

Complaint narrative:
According to 15 U.S. Code 1681, Congressional purposes, it is the purpose of this subchapter to require that consumer reporting agencies adopt reasonable procedures for meeting the needs of commerce for consumer credit, personnel, instance, and other information in a manner which is fair and equitable to the consumer, with regard to the confidentiality, accuracy, relevancy, and proper utilization of such information in accordance with the requirements of this subchapter. There exists an obligation for the credit reporting agencies to conduct themselves in a manner that is fair and equitable to me. The continuous reporting of such information deems an improper utilization of my information, which directly conflicts Congressional purposes and reasonable procedures. Prove that I received the delivery of goods ; come to my home and search for the goods they say I received possessions of goods of or come and see my computer or tap into my bank account so you can see what these alleged possessions are as is the requirement under 15. U.S. Code 1681 c-2 ( c ( 1 ) C ). Please prove this! Hearsay is not admissible. This is according to the federal rules of procedure and evidence! Therefore, these accounts must be removed. You can not lawfully prove that I received a delivery of good, services and money. These accounts are not related to transactions by me, the consumer, therefore, as a result of this identity theft, these accounts must be removed and blocked. 4 days you have.

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 2023-04-27 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: AZ

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. 

Accounts : XXXX - {$1300.00} ( XXXX XXXX Reported Wrong Amount {$500.00} Deposit Missing - Lease Agreement, Email & Itemized Receipt Attached ) XXXX XXXX XXXX Credit Card ( Late Payments XXXX, XXXX, XXXX, XXXX, XXXX, XXXX  Reports To XXXX, Experian XXXX Inaccurately & Inconsistent ) XXXX XXXX XXXX XXXX Collection Amount owed to {$720.00} per XXXX XXXX XXXX  for Settlement Amount ( Letter Attached ) XXXX XXXX XXXX - {$2100.00} ( Reports To XXXX, Experian XXXX Inaccurately & Inconsistent ) XXXX XXXX XXXX- {$3500.00} ( Reports To XXXX, XXXX, Experian XXXX Inaccurately & Inconsistent ) 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. 

Thank You : First of all thank you for your help, I am getting closer to my goal of owning a home and have a continued commitment of repaying my debt and making payments to creditors on time. I was able to accomplish a lot with working on repairing my credit based on my rights but we have more work to do. 

Success Story : XXXX XXXX  ( deleted ), Department of EducationXXXX ( late payments removed ), XXXX XXXX XXXX Late Payments Removed, XXXX XXXX ( paid off/deleted Goals : I will continue to increase my credit score, make on time payments to creditors, repay my debt, and purchase a home. XXXX XXXX XXXX XXXX Collection Amount owed to {$720.00} per XXXX XXXX XXXX for Settlement Amount ( Letter Attached ), Delete XXXX XXXX XXXX reporting wrong amount per XXXX XXXX XXXX  ( Lease & Itemized Receipt Attached )

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 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
A false charge appeared on my card. Citi denied my claim, but did not follow the requirements of the Fair Credit Billing Act in doing so. 

The Fair Credit Billing Act requires : 1. That Citi " conduct an investigation yourself and that you set forth the reasons why you believe the account was shown correctly. '' This was not done. See attached correspondence from Citt 2. The act also requires Citi to provide me with evidence. Despite my written request, this was not done 3. The act also states " In the case of a billing error where the obligor alleges that the creditors billing statement reflects goods not delivered to the obligor or his designee in accordance with the agreement made at the time of the transaction, a creditor may not construe such amount to be correctly shown unless he determines that such goods were actually delivered, mailed or otherwise sent to the obligor and provides the obligor with a statement of such determination. I requested this statement but it was not done. 

I wrote to Citi about this on XX/XX/XXXX ( letter attached ) but my letter was ignored

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 2023-04-27 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: Reliable Credit Association, Inc.
State: WA

Complaint narrative:
I made extra payments on my car loan to go towards principle. XX/XX/XXXX I made a principle only payment of XXXX, XXXX I made an additional principle payment of {$500.00}, XX/XX/XXXX I made an additional payment of {$500.00}. I called into reliable credit to ask that these payments be applied correctly and to not advance my payment date to which they told me I was making principle only payments. I explained that I did not want it to be advanced and that they were just paying future payments instead of principle only therfore causing me to pay the interest that I have not accused. I made a complaint with XXXX where their response states that they can apply payments however they see fit. This is deceptive and unfair. In their response they did say that I can bring in checks or money orders and those could be applied to future payments, which I will do going forward. However they have miss applied XXXX dollars and refuse to fix the issue.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI

Complaint narrative:
I want this late payment remove from my account, and I never been late with this account I working so hard to pay this monthly and this is not acceptable. 
See the documents attached.

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 2023-04-27 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: AZ

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. 

Accounts : XXXX - {$1300.00} ( XXXX XXXX Reported Wrong Amount {$500.00} Deposit Missing - Lease Agreement, Email & Itemized Receipt Attached ) XXXX XXXX XXXX XXXX XXXX  ( Late Payments XXXX, XXXX, XXXX, XXXX, XXXX, XX/XX/XXXX Reports To Equifax, XXXX XXXX Inaccurately & Inconsistent ) lower amount to {$720.00} for settlement amount per XXXX XXXX XXXX - Letter Attached for Settlement Amount. 

XXXX - {$2100.00} ( Reports To Equifax, XXXX - Original Collection Amounts Reports Inaccurately & Inconsistent ) XXXX XXXX - {$3500.00} ( Original Collection Amounts Reports To Equifax, XXXX, XXXX XXXX Inaccurately & Inconsistent ) 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.

Thank You : First of all thank you for your help, I am getting closer to my goal of owning a home and have a continued commitment of repaying my debt and making payments to creditors on time. I was able to accomplish a lot with working on repairing my credit based on my rights but we have more work to do. 

Success Story : XXXX XXXX ( deleted ), Ohio Department of Human Services ( late payment deleted ), Department of EducationXXXX XXXX late payments removed ), XXXX XXXX ( paid off/deleted ) Goals : I will continue to increase my credit score, make on time payments to creditors, repay my debt, and purchase a home. Please delete all ( accounts listed on report - XX/XX/XXXX ) Collections ; XXXX XXXX XXXX, XXXX XXXX XXXX, remove XXXX XXXX XXXX XXXX XXXX late payments due to inaccuracies and inconsistency in accounts reporting between Equifax, XXXX, XXXX, settlement amount per XXXX XXXX XXXX - Letter Attached for Settlement Amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Other problem
Company: JPMORGAN CHASE & CO.
State: SC

Complaint narrative:
I user Chase 's website at XXXX XXXX XXXX XXXX XXXX to manage the credit card account I have with Chase. In the process of logging the Chase website displays a web page shown in the attached document " Chase login verification problem.pdf ''. 

The issue is that I do not have a telephone number ending in XXXX, and I do not know to whom Chase would be directing the call. I spoke with Chase Customer Service and Chase fraud department about this today, and neither was helpful in resolving this issue. I believe this exposes my Chase account to potentially fraudulent activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: AL

Complaint narrative:
Yesterday XX/XX/ I noticed ANOTHER unauthorized fraudulent inquiry on my credit report. I have already filed a complaint for the other inquires that are fraudulent and I am waiting for a response back from those. Since then, another fraud inquiry has showed up on my account. Tried to dispute it soon as i saw up come up on my report. Equifax said it will remain on the account no matter what. There investigations they do are truly investigations, because it was less than 24 hours and they had already made a decision on it. These are NOT mine, I need them removed immediately. Equifax already had the wrong name on my account until I recently got them to remove it finally.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: Navient Solutions, LLC.
State: PA

Complaint narrative:
I am getting threatening phone calls from Navient, they are asking me to take money from my XXXX to play for my private student loans from the XXXX XXXX of XXXX from 2008. 
Navient had also called my childs daycare looking for me in regards to these student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-27 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: NC

Complaint narrative:
These accounts listed are in violation of the 15 U.S. Code 1681. Due to the inaccurate reporting, I would like these accounts removed there was no proof or signature that I own this debt. This Is 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 non-monetary relief
Consumer complaint received 2023-04-27 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NEW YORK COMMUNITY BANCORP INC
State: FL

Complaint narrative:
My mortgage company receives {$1000.00} every month from the XXXX  for my account. I paid down my escrow shortfall earlier this year in one lump sum and that lowered my monthly payment to {$1000.00}. Last month they applied the {$1.00} difference to my escrow. This month they did not apply it anywhere. I called multiple times and it was confirmed that they did receive the full {$1000.00} on the XXXX of XXXX after being erroneously told that the XXXX sent hem a lower amount this month. I also confirmed with the XXXX  directly that the amount they sent did not change. I was then assured that it was applied to either principal or escrow and that it would take a few days to show up on my end. Well that never happened and when I called and investigated further, I was told that it was not applied but placed in a XXXX  bucket and that they would put in a request that it be either applied to principal or escrow. That has still not occurred.

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 2023-04-27 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: DIRECMANAGEMENT, INC.
State: AL

Complaint narrative:
There is a collection account reporting on my credit report where the original date of delinquency with the original creditor is more than seven years and therefore this collection is to be removed from my credit reports, XXXX and XXXX. It is not showing on XXXX. I have provided the documentation of payment history with original creditor to the credit bureaus.

Company response to consumer: Closed with non-monetary relief