vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
I have had this Citibank XXXXXXXX XXXX for more than 10 years, I was advised by their staff to pay with my debit card calling their telephone number to get quicker credit, as I was paying the card every month, before the due date, as they had refused to increase my credit limit, which was lowered for no reason during the pandemic. 
I called in three occasions and they system asks if you want to use the same method as previous time and later it asked if you are paying the same amount as last time. 
I saw that Citibank reversed the credit on my account three times during the month and I received a couple of letter saying that the payments had not gone through to check with my bank, which I did, XXXX indicated that they had not refused any payments and there was no record of CITIBANK trying to process it. I called Citibank twice and no one told me what was the problem, the payment was processed and the account was not late or delinquent, these were advanced payments. 
When I called no one told me what the problem was but to contact XXXX  to fix the issue, which XXXX never received. 
One day, I log into the account to find that it was closed without notice, after so many years, with a XXXX score of XXXX, no delinquent payments. 
As you can see on the attachments I promptly reacted and made payments that for some unknown reason CITIBANK ; s system did not process correctly how it has been processing them for more than 4 months. It is unfair. 
I feel deceived, discriminated for whatever reason, I client who was charging over $ XXXX in the last 18 months and paying promptly, maybe they did not like that I complained about a credit card promotion they made and they never credited the XXXX XXXX loyalty points they promised. 
In any case, the big business stepping the small minority business

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 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Resurgent Capital Services L.P.
State: FL

Complaint narrative:
This company is inaccurately reporting information on my credit report. 
These inaccuracies are harmful to my credit standing and are not an accurate reflection of my financial history. I have already taken steps to dispute these items, and despite this, the incorrect information continues to appear on my credit report. I request that you cease any future reporting of these inaccuracies and immediately remove them from my credit file. 

Please be aware that continuing to report false information can have legal repercussions under the FCRA, including potential lawsuits and penalties. I trust you will act promptly to correct this issue. Please confirm, in writing, that the above-mentioned items have been corrected and will no longer be reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers. 

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I discovered based off Metro 2 compliance that all the company listed below was not in compliant with Metro 2 that was put in place to protect us as consumers.

Also for all the Charge Off accounts listed below i would like to request a 1099-C that was issued by credit bureaus when the debt was charged off with the IRS which is required by law for all debt over {$600.00}. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: Army and Air Force Exchange Service
State: LA

Complaint narrative:
I am a XXXX, and I am applying to utilize the Louisiana Servicemembers ' Civil Relief Act. Most credit card companies are not aware of the provisions this provides as opposed to the federal XXXX ; it includes the reduction of credit card interest rates to below 6 % and the reimbursement of interest charges that were paid before the reduction. This applies to credit card accounts opened while on active-duty service, as opposed to the federal SCRA which only applies to those before entering the service. When contacting credit card companies in the past, they have refused to follow the policy due to their familiarity with the federal SCRA.

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 2024-11-10 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: NAVY FEDERAL CREDIT UNION
State: GA

Complaint narrative:
My account was being charged with overdraft fee, when I was opt out for charging my account from the fees

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I have several unknown addresses and inaccurate fileinformation that needs to be updated properly. My current and only address is XXXX XXXX XXXX  XXXX OH XXXX Please delete all other unkwownaddressses they are not correct. I have a inaccurate Social Securty number on mycredit report SS : XXXX, please delete it at once. My name is NOT XXXX  please remove the extra name from my credit report. According to 12 CFR Part1022 ( Regulation V ) requires furnishers to : Furnish information concerning accountsor other relationships with a consumer that has integrity. Furnish information aboutaccounts or other relationships with a consumer that is accurate. C - Conductreasonable investigations of consumer disputes According to XXXX, in order to makea lawful report, you must follow the Metro 2 compliance standards. Followingaddresses need to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information is missing that should be on the report
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH XXXX SS XXXX XXXX XXXX I have several unknown addresses and inaccurate fileinformation that needs to be updated properly. My current and only address is XXXX XXXXXXXX XXXX XXXX OH XXXX Please delete all other unkwownaddressses they are not correct. I have a inaccurate Social Securty number on mycredit report SS : XXXX, please delete it at once. My name is NOT XXXX please remove the extra name from my credit report. According to 12 CFR Part1022 ( Regulation V ) requires furnishers to : Furnish information concerning accountsor other relationships with a consumer that has integrity. Furnish information aboutaccounts or other relationships with a consumer that is accurate. C - Conductreasonable investigations of consumer disputes According to XXXX, in order to makea lawful report, you must follow the Metro 2 compliance standards. Followingaddresses need to be deleted : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: MOHELA
State: IN

Complaint narrative:
have reached out multiple times about Account XXXX Mohela and XXXX who have been reporting since XXXX Molela in the amount of {$48000.00} and now XXXX since XXXX in the same amount of {$48000.00}. in which they are still reporting to all three bureau 's i have in formed them of this issue many time using this information under the TheFamily Educational Rights and Privacy Act ( FERPA ) is a federal law enacted in 1974 that protects the privacy of student education records. FERPA applies to any public or private elementary, secondary, or post-secondary school. / 20 USC 1232g ( b No funds under anyapplicable programshall be made available to any State educational agency ( whether or not that agency is aneducational agency or institutionunder this section ) that has a policy of denying or effectively preventing, the parents ofstudentsthe right to inspect and review theeducation recordsmaintained by the State educational agency on their children who are or have been in attendance at any school of aneducational agency or institutionthat is subject to the provisions of this section. 

and the, the Fair Credit Reporting Act states 15U.S.Code1681- Congressional findings and statement of purpose a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Also, per the FCRA, as a federally protected consumer. I am now opting out of any and all authorization I the consumer may have given you written or unwritten, verbal, and non-verbal per 15 USC 6802.

15U.S.Code6805- Enforcement ( a ) In general Subject to subtitle B of the Consumer Financial Protection Act of 2010 [ 12 U.S.C. 5511 et seq. ], this subchapter and the regulations prescribed thereunder shall be enforced by the Bureau of Consumer Financial Protection, the Federal functional regulators, the State insurance authorities, and the Federal Trade Commission with respect to financial institutions and other persons subject to their jurisdiction under applicable law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
XXXX Retaliated for disputing an account that has already been removed for fraud. Account has irregular reporting history, does not belong to me and has already been removed for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: JPMORGAN CHASE & CO.
State: OR

Complaint narrative:
I filed a complaint against Chase bank on XX/XX/year>. On XX/XX/year>XXXX  my credit rating through the Chase freedom portion of the credit card score dropped XXXX points? For years it has been fluctuating between 1-2 points. Now it drops XXXX points. I find this not only a detriment to my livelihood it also tells me that the banking industry is corrupt and this is just one example of the power that is being used to keep a person from filing a legal recourse complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Loan estimate or other related disclosures
Company: AMERICAN BANCSHARES MORTGAGE, LLC
State: FL

Complaint narrative:
First off, I would like to explain the corruption in south Florida with police officers and the sheriff department. Every person, vendor, financial entity are in communication with an officer utilizing a sophisticated technology to predict and anticipate everything we do on a daily basis. Our school system, banking institutions, credit bureaus, mortgage or loan lenders etc. are doing what they are told to do following the instructions the officers give them. It's a major corruption in Florida. 

I submitted an application for a mortgage with American Bancshares Mortgage LLC, the loan officer name is XXXX XXXX his phone : XXXX. The application process does not affect the credit score upon a soft credit pull. Last month I submitted the application, and my credit score remain the same it actually increased 3 points. XXXX XXXX increased to XXXX, XXXX XXXX, XXXX XXXX but increased to XXXX. On XX/XX/year>, I was scheduled for a loan application review. Which I was approved for. However, was informed by XXXX XXXX, his exact words were ( he can not approve me for a single-family home I will be living in a 2-bedroom condo located in XXXX ). He could only approve me for a {$160000.00} loan. 

When he told me that I knew he was redlining me and told what to do by the officer he was in communication with. I respectfully decline the loan which had no impact to my credit score. However, on Friday I did notice before the application review my XXXX credit score dropped XXXX points now XXXX displays XXXX credit score. I believe he had something to do with it. 

Based upon my credit score and financial documentation I can be approved for an FHA loan up to $ XXXX {$300000.00}. 

I know a handful of people right now approved for an FHA loan worth {$350000.00} and work at a Labor construction pool and on section XXXX. 

He also informed me the side money I make as a licensed private detective which are documented on my merchant square account can not be counted as a form of income because it's not documented on my income taxes. Most banks asked for side income although my side income can is documented. 

I believed the officer he is communication with told him not to approve me for a loan worth {$200000.00} or more. Because single family homes prices have dropped significantly with no HOA to pay. XXXX XXXX, XXXX, XXXX XXXX 3beds, 3 baths homes available in that range. Plus, the first-time homeowners grant would apply to it. The city of XXXX XXXX and XXXX offers up to $ XXXX {$100000.00} in grants. 

Listen I was born in this country I am not an immigrant. I should not be experiencing none of this. Immigrants migrate into this country illegally and are able to get over {>= $1,000,000} in home loans working at XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I am a XXXX, and I am applying to utilize the Louisiana Servicemembers ' Civil Relief Act. Most credit card companies are not aware of the provisions this provides as opposed to the federal SCRA ; it includes the reduction of credit card interest rates to below 6 % and the reimbursement of interest charges that were paid before the reduction. This applies to credit card accounts opened while on active-duty service, as opposed to the federal SCRA which only applies to those before entering the service. When contacting credit card companies in the past, they have refused to follow the policy due to their familiarity with the federal SCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — Trying to communicate with the company to fix an issue while managing or servicing your loan
Company: AXIA FINANCIAL, LLC
State: TX

Complaint narrative:
I was told by the title company to mail my payment using a payment coupon in XXXX, Washington. I mailed the payment off early via money orders. I received a letter a week or so later stating I need to mail it to the XXXX office. I called and spoke with a XXXX XXXX and was told the payment was received on XX/XX/XXXX. He told that he would be transferred to my XXXX account. I received a letter in the mail a week later stating I have not made my XXXX payment. I called the company from where I purchased the money order and was told it was cashed on XX/XX/XXXX. I called XXXX back and he said it was recieved and transferred to my XXXX account and would take a couple days to process. 
He also said I would recieve an email from him. I never received the email. I called another number a spoke to a XXXX and said told that no payment was never transferred to them. She me an email address to send copies of my money orders and payment coupon. I was suppose to hear from someone, but I have not. XXXX XXXX with XXXX has been lying to me and giving me the run around. My child and I can not afford to lose money and be homeless again. Please Help Us! I paid with 2 money orders {$1000.00} and {$260.00}. My mortgage payment is {$1100.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 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: EQUIFAX, INC.
State: TX

Complaint narrative:
To Whom It May Concern, I am writing to formally dispute the presence of an account on my Equifax credit report, as this account has already been removed from my XXXX report. The account in question has been previously listed by XXXX, but they have since deleted it from my report. In the interest of accuracy and consistency, I am requesting that Equifax do the same and remove this account from my credit file. 

According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are obligated to maintain accurate and up-to-date information in consumer credit reports ( 15 U.S. Code 1681e ) . Given that XXXX has determined this account should no longer appear on my report, I believe it is reasonable to expect the same treatment from Equifax to ensure accurate and fair reporting. 

Additionally, the Consumer Financial Protection Bureau ( CFPB ) advises that all credit bureaus strive for consistency in reporting practices. Having an account removed by one bureau but still reported by another creates an inconsistency that could misrepresent my creditworthiness, potentially leading to inaccurate conclusions by lenders. 

Enclosed, I have included a copy of my XXXX credit report indicating the removal of this account, as well as a copy of my Equifax report showing the disputed item. As well as all appropriate documents to verify my identity as well as a letter I received from your office to show better documents to identify myself. 

I kindly request that Equifax review this discrepancy and remove this account from my credit report to reflect the same standard as XXXX. 

Thank you for your prompt attention to this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Portfolio Recovery Associates, LLC
State: GA

Complaint narrative:
I am submitting this complaint for the company PORTFOLIO RECOVERY ASSOCIATES located at address XXXX XXXX XXXX, XXXX XXXX XXXX, VA XXXX knowingly reporting inaccurate data. XXXX XXXX credit report is negatively affected by these penalties, this looks SUSPICIOUS AND VERY DECEPTIVE. I Demand proof TO SEE VALID AUTHORIZATION and Proof of the Alleged debt of PORTFOLIO RECOVERY ASSOCIATES. Reporting without verification and proper disclosure requirements are in direct violation of the Consumer Rights FRCA Section 623, Section 611, and Section 605b of the FCRA. FTC 809, FTC 806, FTC 809, FTC 812 and 15 U.S.Code 6802. I XXXX XXXX legally requested a description of all the details of the verification process used for the validity of this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these Federal Regulations by the FTC U.S. C41, et esq I AM MAINTAINING A CAREFUL RECORD ALL COMMUNICATION WITH YOUR COMPANY.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-10 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Remex, Inc.
State: NY

Complaint narrative:
I received a vague letter from Remex , Inc about an alleged medical debt of {$220.00} from XXXX. Not only did I not have any outstanding balances but the alleged date didnt match up with any date that I received medical treatment. The letter was vague and more focused on payment. I responded to the letter by mail disputing the debt as not mine. About two weeks later I received the letter back with a message from the XXXX saying return to sender no mail receptacle unable to forward. I had sent the letter to the address on the letter they stated to respond to and I checked again when I received the letter back and it is the correct address they provided. 
I tried searching the company and found other complaints that people also received scam letters from this company. I believe this attempt to receive payment for a made up medical debt to be a scam.

Company response to consumer: Closed with explanation