vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
My card account was transfered from XXXX XXXX to Citibank. I was unable to access my account during this period. Neither customer service phone number would be able to assist me. I sent a secured message for assistance but was not assisted. Instead more barriers were put in place to request assistance. I'd like any late payments removed and fees waived. 

Here are the barriers in order : 1. Try to access XXXX XXXX portal. It is not accessible. 
2. Try to access Citibank port it is also not accessible. 
3. Call XXXX XXXX, they can't assist. 
4. Call Citibank, they don't have my information.

5. Receive late payment notice despite no being able to login or access account. 
6. Finally activate portal on Citibank as of today.

7. Now, I need to remove late fees but must send a secure message. 
8. Send message and receive more instruction.

9. Must Ensure eligibility for late fee and interest charge adjustments by considering the number of previous requests, the transaction date, and the status of your account. 
10. Each adjustment request must be submitted separately and evaluated individually. 
11. Access account online.

12. Find the main menu bar at the top of your online account. 
13. Select the Credit Home tab. 
14. Scroll down to the Account Activity section.

15. Find the filter transactions section.

16. Know and select the appropriate time period from the Recent Activity drop-down box.

17. Find the All Transactions drop-down box.

18. Choose Fees or Interest Charged.

19. Click on the transaction to view the details, including the type, post date, and amount. 
20. Copy the following Post Date : mm-dd-yyyy 21. Copy Original transaction amount : XXXX XXXX Copy Type : ( Late Fee or Interest Charged ) 23. Submit your adjustment request by Replying to the message by pasting the 3 lines from step XXXX. 
XXXX. Replace the placeholders with the correct information. 

I not the citibank employee, I am the customer.

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 monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX  XXXX and all payments were placed on XXXX. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family! 

I demand the late payment reported to be removed/updated. 

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law! 

15 USC 1666b ( a ) Time to make payments 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 later than 21 days before the payment due date. 

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided. 

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Advanced Resolution Services Inc.
State: NC

Complaint narrative:
Presence of those unauthorized accounts and enquiries made me feel very anxious about my financial health. The credit report needs to be accurate because it tell the world of lenders what we have done with our money management. I, therefore, ask that an immediate investigation and removal of the following inaccuracies and unauthorized accounts/inquiries be done immediately. 


Please make a further review on the following inquiries ; XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: Bread Financial Holdings, Inc.
State: SC

Complaint narrative:
We made a purchase with Arhaus on XX/XX/XXXX for XXXX. This amount needed to be paid off under the no interest promotional plan by XX/XX/XXXX. We made payments every month that more than totaled the amount of this loan over time, however, we made another purchase in the middle of this loan with a new promotional plan/time. And instead of allocating our payments to the first promotional purchase, Arhaus credit card company ( Comenity/Bread Financial ) separated the payments, making it so that the original purchase would not be paid off on time. They did not tell us how they were allocating the payments or let us know that we could change how the payments were allocated, so we thought we were making our payments to the correct purchase ( the one that would expire first ). On XX/XX/XXXX when I went on to pay our balance in full, they charged us {$12000.00} in interest, claiming that we did not pay off our promotional plan on time. They refused to give more details on how it was calculated. They more than doubled the balance we owed them when we were about to pay it in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: AL

Complaint narrative:
" The Fair Credit Reporting Act ( 15 U.S. Code 1681 ) says ( 1 ) The banking system is dependent upon fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine the public confidence, which is essential to the continued functioning of the banking system. 

So whenever there is a violation under the FCRA, it impairs the efficiency of the banking system. This is a violation of my privacy with my consumer report, since I control what is listed and what is not. In the event that any accounts are reported without my written consent, that is considered identity theft. 

This is a violation of both 15 U.S. Code 1681b ( 2 ) and 15 U.S. Code 1681c-2. This leads way to civil liability against the credit reporting agency for negligent and willful noncompliance under 15 U.S. Code 1681n, which allows for {$1000.00} per violation, for each account listed without my expressed written consent.

I looked at my consumer reports and noticed accounts I never gave anyone permission to report. Consumer reporting agencies have assumed a vital role and have a responsibility to report consumer information to the best of their ability with maximum possible accuracy like the Fair Credit Reporting Act clearly states. I did not provide written consent to report them "

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 2024-09-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: Block, Inc.
State: NC

Complaint narrative:
XX/XX/year>XXXX  : I received a debit card from CashApp for an account that was fraudulently created in my name. 

XX/XX/XXXX : Called CashApp 's customer service line to report this and request that the account be closed. The representative had me submit the pictures of the debit card that was sent to me to confirm the account that needed to be closed. 

XX/XX/XXXX : Received an email to complete a survey from CashApp, rating my experience and if the problem had been solved. At this point I had yet to receive confirmation that the account was closed and marked as fraud. 

XX/XX/XXXX : Called CashApp 's customer service line again, the representative told me that they had no way of confirming an account was closed and suggested that I complete the survey that was sent to me. They never asked me for the account information to look it up even when I offered. 

As another note, my credit has been frozen for years and yet this is the third fraudulent bank account that has been opened in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Resurgent Capital Services L.P.
State: IA

Complaint narrative:
I have disputed with this debt collection Resurgent since XXXX  Regarding this debt, they have even filed a judgment on me in court. 

This company sends me disputes under XXXX different names LVNV Funding and Resurgent. 
In my disputes, I have asked them to correct the information that is being reported and they have not. I have not received a 1099 c from this account since it is reporting as a charge-off. Each month it reports a charge-off as if the account charges off each month.

Issue an IRS Form 1099-C for a canceled or discharged debt that I believe qualifies under 26 U.S.C. 6050P. Additionally, I am disputing the reporting of this debt on my credit report, as it remains inaccurately reflected.

15 U.S.C. 605B : Under this provision, I am requesting that you block the reporting of any information that I believe resulted from identity theft. Attached is a copy of my identity theft report ( police report or FTC Identity Theft Affidavit ), which provides the necessary documentation. The disputed information must be blocked within four business days.

15 U.S.C. 1681e ( b ) : This section requires credit reporting agencies to follow reasonable procedures to ensure the maximum possible accuracy of the information they report. The inaccurate late payment or other erroneous information on my report does not meet this standard. I am requesting that you reinvestigate the accuracy of this information and ensure that my credit report is corrected accordingly.

15 U.S.C. 1681n : As this may represent a willful violation of the FCRA by allowing inaccurate information to remain on my report without proper verification or reasonable procedures, I am notifying you of potential legal consequences. If this matter is not resolved promptly, I reserve the right to pursue statutory damages of {$100.00} to {$1000.00} per violation, punitive damages, and recovery of attorneys fees and court costs.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Closing on a mortgage — Closing disclosure or other related disclosures
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
XXXX - Note sent to XXXX XXXX - Lending Officer - Wells Fargo Home Mortgage XXXX ID XXXX - XXXX 's XXXX XXXX XXXX XXXX XXXX at XXXX, or email at XXXX XXXX XXXX I thought it would be prudent to reiterate our discussion and include my WF financial advisor, XXXX XXXX who referred me to your organization. 

As I understand what you said today, you can apply the Sellers credit of {$10000.00} on my loan to certain expenses. You do not consider my down payment an expense and did not want to leave any monies on the table. However, your team made several errors on the Closing Disclosure. You left off my homeowners policy of {$2400.00} and the Statement of Account of {$290.00}. Those are legitimate expenses that could have been taken care of with the Sellers concession monies. You never disclosed the funding for the points buy-down of {$5400.00} with me or my husband. Neither one of us knew that XXXX was buying down the interest rate with the {$10000.00} Sellers concession. You can go back and look at all the LEs in my file, and the only time this fee was disclosed was on Thursday of last week. That was the last day the CD was due to go to our Title Company. By the time I realized that we were being charged for the buy-down, it was too late to do much about it. The Seller was anxious to move on to his new life and would not grant us any extra time to get this corrected. 

XXXX was well aware that our plans are to refinance this loan as soon as interest rates drop below XXXX  %. Why would I spend over $ XXXX on a loan that I am going to refinance? And it lowered my payment by only {$90.00} a month. I am not that stupid, and I would hope that XXXX is not either. 

My plans are to file a formal complaint with the XXXX this week. I feel that your organization did not communicate precisely where the funding for the buy-down was being sourced from. 

The real complaint is that the last Lending Estimate that XXXX sent to me did not disclose that I was paying for the buy down points from the Seller 's Concession to me as the buyer. And, the Lending Estimate did not match the Closing Disclosure. It was on XXXX at approximately XXXXXXXX XXXX XXXX that I received WF 's final Closing Disclosure in which I first saw that I was funding the buy down of the points. I tried to reach XXXX that evening but she had left for the day. The CD had to be at the Title Company by XXXXXXXX XXXX on the XXXX in order for us to close on XXXX. The communication during the entire lending process was not concise. Had XXXX explained to me where the funding was coming from, I would have refused to do this.

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 2024-09-20 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: GA

Complaint narrative:
This debt collector engaged in abusive, deceptive, and unfair practices of the FDCPA which it prohibits. They furnished this account that we didn't agree upon, and I didn't sign an agreement on. A legal contract is signed by two parties, and I did not participate in any of it. More so they didn't follow the proper 5 step validation procedure which make these unfair practices. According to the FDCPA Im entitled to XXXX XXXX per violation and clearly, they violated my rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 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: EQUIFAX, INC.
State: AL

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 168b permissible purposes of consumer reports. 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. 

Inquiry was not authorized RESIDENT VERIFY Inquiry was not authorized XXXX XXXX Inquiry was not authorized XXXX XXXX The follwoing personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXXXXXX The follwoing personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The follwoing personal information is incorrect XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX The follwoing personal information is incorrect PREVIOUS ADDRESS : XXXX XXXX XXXX XXXX XXXX XXXXXXXX Account Name : XXXX XXXX XXXX Account Number : XXXX Account Name : XXXXXXXX XXXX Account Number XXXX XXXX has violated my rights. On a list of inquiries : 15 U.S.C. 1681b - Permissible Purposes of Consumer Reports : This section outlines that consumer reports can only be furnished under specific conditions. My rights to privacy and confidentiality have been violated as my report was accessed or shared without permissible purpose.

15 U.S.C. 1681s-2 ( a ) ( 1 ) - Responsibilities of Furnishers of Information : This statute prohibits the furnishing of any information to a consumer reporting agency that is known to be inaccurate or has not been verified. [ Name of Furnisher/Creditor ] has furnished information that is either inaccurate or unverifiable.

15 U.S.C. 1681 Section 602 ( a ) ( 4 ) - Right to Privacy : The statute emphasizes the need for consumer reporting agencies to handle consumer information with fairness, impartiality, and respect for the consumer 's right to privacy. This has not been upheld in my case.

15 U.S.C. 1681 Section 604 ( a ) ( 2 ) - Requirement for Written Consent : This section specifies that a consumer reporting agency can not furnish a consumer report without the consumer 's written instruction. I did not provide written consent for the inquiry or account listed.

15 U.S.C. 1681c ( a ) ( 5 ) - Prohibition of Obsolete Information : This section prohibits the reporting of adverse information older than seven years ( except for records of convictions ). The report in question contains outdated or irrelevant information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
XXXX XXXX XXXX XXXX  {$3100.00} XX/XX/XXXX disputing XXXX  XXXX acct # XXXX {$530.00} and {$730.00} XX/XX/XXXX and XX/XX/XXXX disputing XXXX  XXXX {$420.00} XX/XX/XXXX disputing XXXX XXXX XXXX {$5200.00} XX/XX/XXXX disputing XXXX XXXX {$170.00} XX/XX/XXXX dissputing XXXX XXXXXXXX {$850.00} XX/XX/XXXX disputing

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Debt collection — Rental debt
Issue: Communication tactics — Frequent or repeated calls
Company: T.S. Holdings
State: TX

Complaint narrative:
Kept contacting a family member regarding the collections. This is a direct violation of FDCPA because they had my contact information and address to utilize to contact me so there was no reason to be harassing any of my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA

Complaint narrative:
I have inquiries on my credit report that I did not apply for at all.

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 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: OH

Complaint narrative:
My accounts was never late! I have had exceptional payment history with XXXX XXXXXXXX and all payments were placed on Autopay. This late payment that is reporting is a result on a systematic error on their end processing my payment. 

This was clearly a billing error made my the company and is not a reflection of my payment experience which violates USC Code 1681eb. This error has caused severe hard to my reputation, my character, my mode of living and to my family!

I demand the late payment reported to be removed/updated.

They are not in compliance with the following law. 15 USC 1666b and its requirements set the standards and the guidance for a creditor to treat a payment as late, yet they are reporting a payment as late and they did not comply with the law!

15 USC 1666b ( a ) Time to make payments 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 later than 21 days before the payment due date.

I have requested proof that this information was mailed or delivered 21 days before the payment due date and this information was requested in good faith pursuant rule 1002 and It was never provided.

This is unfair, illegal, fraudulent, and not equitable to me as a consumer!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
This account XXXX  Account number XXXX is not showing on my XXXX and Equifax credit reports due to a reporting error made on the creditor or credit bureau side this account had fell off those 2 bureaus and it should be reporting on them as " Closed and Paid and Full ''

Company response to consumer: Closed with explanation
Consumer complaint received 2024-09-20 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
This account XXXX Account number XXXX is not showing on my Experian and XXXX credit reports due to a reporting error made on the creditor or credit bureau side this account had fell off those 2 bureaus and it should be reporting on them as " Closed and Paid and Full ''

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