vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-03-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
I have created a credit card with CitiBank in XX/XX/XXXX, and have been using it responsibly, always paying the full balance within the statement period. On XX/XX/XXXX I got a notification of fraudulent charges from XXXX XXXX XXXX XXXX and other merchants. I immediately contacted CitiBank Fraud Department ( XXXX ) and asked them to close my card to avoid further fraudulent transactions. They acknowledged, closed the account and sent me a new card. 

On XX/XX/XXXX I received a new notification of more fraudulent activities on the account, before even receiving my new card. At this point I did not have a valid, activated credit card associated with the account. I immediately contacted CitiBank Fraud Department, and asked them to close my card again, and asked for further investigation in this matter. They assured me they remedied the problem and sent me yet another new card. 

This repeated again on XX/XX/XXXX. The representative informed me that there are ongoing charges on the account from XXXX XXXX. I informed him, that I do not have a XXXX XXXX capable device or service, and never associated this card with any XXXX accounts. I asked CitiBank to remove this form of payment and lock my account, to make sure all fraudulent activity stops. At this point the representative locked me out of my online account, and I have not been able to login ever since. 

Unfortunately this repeated more times during the following weeks. I spent hours on the phone between various representatives and escalations. They ended up sending me 4 different cards in XXXX alone, while the fraudulent activity continued without me activating any of those cards, or having access to my account. I demanded account closure and to see my recent statements, to identify and pay any remaining legitimate transactions. CitiBank failed to provide any statements, they claimed it was only available electronically and they did not have access to it. I informed the representative, that CitiBank had previously locked me out of my account on XX/XX/XXXX, therefore I have no access to my account or any statements thereof. She offered to change my next statement to paper format, so I receive it via regular mail. 

I have recently received my final statement, with an outstanding balance of {$1100.00} consisting of fraudulent activities, foreign transaction fees, late payments and interest charges, all of which due to those fraudulent activities. I am supposed to remit this payment by XX/XX/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 monetary relief
Consumer complaint received 2023-03-24 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 — Investigation took more than 30 days
Company: Experian Information Solutions Inc.
State: DE

Complaint narrative:
I sent out letters to Experian and XXXX here is my tracking number XXXX however the credit bureaus said that they completed the investigation and everything was 100 % accurate. Experian also confirmed they received my letter XX/XX/2023. 

According to 15 U.S.C s 1681a Definitions ; Rules of construction The term " Investigative consumer report '' means a consumer report or portion thereof in which information on a consumers character, general repetition personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such item of information, However such information shall not include specific factual information on a consumers credit record obtained directly from a creditor of the consumer or from a consumer reporting agency when such information was obtained directly from a creditor of the consumer or from the consumer. 

I would like to know who did they talk to How did they complete this investigation

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 2023-03-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AL

Complaint narrative:
On XX/XX/23 I got an email from Bank of America to confirm my email. I ignored it because I do not have an account with them. Today on XX/XX/23 I got a text saying my card was approved and will be sent out. I called Bank of America who said they will cancel it and no transactions have been made.

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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Foursight Holding LLC
State: TX

Complaint narrative:
After contacting Foursight Capital LLC on the XXXX of XXXX in regards too multiple inquiries on my credit report on XX/XX/2022 I informed them there is a total of 9 Inquiries spread out in my XXXX XXXX and XXXX when asked to provide information or application they could not produce nothing yet they could not provide anything about me yet they are on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
My Son XXXX XXXX has been added to my credit report - listed as another name that I go by which is not correct.

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 2023-03-24 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 — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
CFPB I made an uniformed decision when I entered this consumer credit transaction with Capital One. This agreement was not clear and conspicuously and I did not receive adequate notice I did not agree to such agreements, I didn't notice nor did I understand what an agreement is.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — Frequent or repeated calls
Company: ENCORE CAPITAL GROUP INC.
State: CO

Complaint narrative:
Midland credit management contacted my ex-husband, on his cell phone, looking for me, about debit that they say I owe from a XXXX  XXXX credit card. The person gave him the proposed amount due, the last 4 of my social security #, my physical address, my date of birth, date of last payment on the credit card ( 2019 ) and I have never received any mail or correspondence about this debt. Today, I received an early morning phone call, before XXXX from a gentleman that did not verify he was talking to the right person and a revealed all my personal info again on my cell phone ( name with spelling, date of birth ( wished me a " happy birthday '' ), last 4 of my social security and my full address with amount due and last pyment in 2019. I let the representative know I did not know what he was talking about, that I needed something mailed to me ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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 — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: TN

Complaint narrative:
On XX/XX/2022 I attempted to purchase two ( 2 ) one way tickets from XXXX ( XXXX XXXX ) to XXXX ( XXXX ) airports on XXXX XXXX website for myself and my son to come back home from a long XXXX vacation out West along historic XXXX XXXX I did print from my home computer a confirmation of the tickets purchase, using mty Citicard credit card ( account # XXXX. 

Approximately 3 weeks went by and I had not received my monthly Citicard billing in the U.S. Mail. As you know, the XXXX XXXX XXXX has been experiencing extensive delivery problems for the past year for several reasons. I wanted to make sure my XXXX tickets had been paid for on my Citicard credit card so I called Citicard call center. The male call center employee who took my call told me " No XXXX XXXX, Citicard did NOT pay for those tickets because you do not show a history of periodically purchasing airline tickets on your Ciiticard and the cost was large ( {$730.00} )., therefore our Anti-Fraud software declined to approve that purchase to protect you... we apologize for any inconvenience ''. 

Based on the phone conversation with Citicard call center and relying on that information to be accurate ... on XX/XX/2022 I purchase two ( 2 ) travel tickets from XXXX XXXX using my same Citicard credit car the same passage home from XXXX XXXX. 

It wasn't until XX/XX/XXXX or XXXX that I received on my cell phone ticket reservation and flight information from XXXX XXXX that my tickets were " Active '', and I then realized there was going to most likely be a billing error on my account ( double billing for our one way trip home ). 

I arrive home on Sunday XX/XX/XXXX. I contacted Citicard call center about this problem,, and I have called them several times. They have refused to reverse my charges from XXXX XXXX XXXX, even though we did not travel on XXXX to get back home. 
I have told Citicard Billng Disute supervisors that the billing duplication is not really XXXX 's mistake, but rather Citicard 's because they never notified me by phone that my original purchase with XXXX actually did go through subsequent to my original inquiry. 

I have furnished paper copies of ticket purchase to Citicard two times per their request. There is no additional documentation I can send to them. 

I have tried several times t o get this billing problem resolved by Citicard but they have refused.

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 2023-03-24 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: GA

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. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : 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 explanation
Consumer complaint received 2023-03-24 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: TRANSWORLD SYSTEMS INC
State: FL

Complaint narrative:
In accordance with the Fair Reporting Credit Act, this creditor ( Original creditor - XXXX XXXX, collection agency - TRANSWORLD SYSTEMS INC ) has violated my rights under section 15 u.s.c. 1681 section 602 states I have a right to privacy.

Under section 15 u.s.c. 1681 section 604 a section 2 says that the consumer reporting agency can not furnish an account without my written instruction. 

The collection amount and date are incorrect and it was already reported to the Original creditor - XXXX XXXX and the credit collection agency - TRANSWORLD SYSTEMS INC.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: TX

Complaint narrative:
Cedars Business Services , LLC has sent me multiple harassing text messages regarding a debt purportedly owed to the city of XXXX. I have never traveled to XXXX or purchased anything from the city. They have texted from numerous phone numbers, which I have repeatedly blocked. In many of these messages, they illegally fail to identify themselves as debt collectors. I think some of the communications may have been sent outside the hours prescribed in the fair debt collection practices act.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 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 — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

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 2023-03-24 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: NY

Complaint narrative:
I filed a complaint against Experian credit bureau and their response was " I can't dispute credit scores ''. If I find an error on my score I should be able to dispute it. 
Two weeks ago my FICO score was XXXX, credit score XXXX. My balance across all accounts was {$81.00}. Experian dropped my score to XXXX stating that I was not using credit from revolving loan. XXXX XXXX XXXX raised it to XXXX. A few days ago Experian raised my credit score to XXXX. According to them my balance was now {$100.00} from XXXX reported to them on XX/XX/17. 
Why are they able to drop score by XXXX points when my balance is {$81.00} and raise it when it is supposedly {$100.00}??? 
I doubled check my XXXX account and also spoke to one of their agents. On XX/XX/17 I had NO balance with them. 
Based on that report of {$100.00} XXXX dropped my score by XXXX point. It's a small drop but it matters because in my opinion they are abusing their authority. 
I thought the CFPB was there to help with Credit Bureau problems but it appears not to be the case. Even when companies open fraudulent accounts no one bothers to help. 
IF I SHOULD NOT BE FILING COMPLAINTS WITH YOUR AGENCY PLEASE LET ME KNOW SIX MONTHS AGO YOU SAID THAT MY COMPLAINT AGAINST XXXX WAS SENT TO XXXX. TWO WEEKS AGO XXXX RESPONDED WHICH WASN'T A RESPONSE AT ALL!!! A NON RESPONSE THAT TOOK ALMOST SIX MONTHS

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 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
My name and only name has ONLY been XXXX XXXX XXXX. No other name I have ever used for applying for credit. 

The following addresses do not belong to me : XXXX XXXX XXXX XXXX, NC XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX XXXX XXXX XXXX XXXX XXXX XXXX FL, XXXX My  accurate address is : XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-24 00:00:00
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
Bank Of American employees asked for documentation that was not needed and placed their name on my insurance Policy before the loan was processed and closed. They asked for proof of every Bank Account I owned, all Stock I owned and copies of all property ( Houses ) I own and the submit it with 3 days. My home has over XXXX Dollars worth of equity in it to secure a {$50.00}. Loan. I have Good Credit. I did apply to buy a New Home and they were informed by my Insurance Company XXXX I own other property and assumed I wanted to buy a new house. My letter of intent stated to pay off 2 high interest credit cards with BOA and Home improvements. I could have lost my entire estate for their actions. They did not have the right to place their name on my Insurance Policy or request information on other property to attach their names to Insure the Loan. This is Discrimination in the worst form to Steal from a XXXX XXXX. I was told they needed this information to prove I was not hiding money. I have copies and Names of the employees involved in the plot to steal my Estate from me. My children could have lost my entire Estate and BOA would have taken my Estate or received Insurance money if I died or defaulted on the Loan.

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 2023-03-24 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: SANTANDER HOLDINGS USA, INC.
State: TX

Complaint narrative:
Santander Consumer Usa made inquiries on my report on XX/XX/2022 when asked too produce how they obtained my information or signature too run my credit they could not yet they made an inquiry on my credit report and violated FCRA 611 and fails too provide me with FCRA 611 ( a ) ( 7 ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: SANTANDER HOLDINGS USA, INC.
State: VA

Complaint narrative:
Someone name XXXX called from an no caller Id number saying I would be receiving a summon for court at XXXX on XXXX .Told me I needed to call XXXX. I called that office at XXXX. He didnt give his name but said Santander was taking me to court and the court date was XX/XX/XXXX. When I asked where he said somewhere in my area. No summon ever came. Today XXXX XXXX I got a taped call asking me to press on .Another firm named XXXX called again representing Santander Saying I owe XXXX but we could settle it today for XXXX. I said this is a scam .He said if you dont your court date is next week. I said someone called me yesterday said it was next week. This is a scam. I do not owe Santander any money This is harassment or a scam

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: Commercial Acceptance Company
State: NJ

Complaint narrative:
I contacted " Commercial Acceptance Company '' on XX/XX/23. I made the representative aware that I had medical insurance coverage for the date of service, and my insurance company was responsible for this bill. The original collector XXXX XXXX XXXX XXXX XXXX ) neglected to document and bill my insurance company -- then, sold my debt to Commercial Acceptance Company. I received a notice in the mail from Commercial Acceptance Company, and spoke to them 1 time. I was under a lot of stress ( which is documented ) due to a car accident, XXXX pandemic, death of family member, loss of my home, and trauma -- and asked for additional time to return their call. I followed up with Commercial Acceptance Company on XX/XX/23, and the representative was very nasty -- as she kept talking over me and didn't allow me to finish my sentences. I told her that I had insurance coverage at the time of services -- and that XXXX XXXX neglected to bill my insurance company. The representative refused to accept my insurance information so that this bill could be paid in full. I'd like a copy of my signature showing that I agreed to pay this bill -- as opposed to my medical insurance company paying the bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
On XX/XX/2023 I received a notification that there was an inquiry on my XXXX made on XX/XX/2023. I checked the notification and it was for a FRONTIER Airlines World Mastercard account from BARCLAYS BANK DELAWARE. I received an email with further information despite not having signed up for any such account whatsoever.

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