vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-07-14 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: OR

Complaint narrative:
I can not get CitiBank to properly apply my payment that I made on a XXXX % advance. I have made several attempts to rectify the problem with CitiBank and have previously made a claim. They did make an adjustment but failed to handle it properly as my 0 % advance is now being charged at 18.74 %. This should show as completly paid on XX/XX/XXXX. I was instructed by CitiBank to pay it XXXX day after the expiration date so that it would then trigger moving to a higher interest rate and my payment would then be applied toward that higher rate. I did as instructed and paid additional. I have fought with them ever since as they ended up applying the payment to an advance that was at .99 %. After my last complaint they did make an adjustment but for whatever reason, only showed a portion of that original transfer as being paid and as of my last statement they are still showing that I owe {$2600.00} at 18.74 %. I have another 0 % transfer expiring on XX/XX/XXXX but they have made it impossible to pay it down. According to their policy, any additional payments are first applied to the higher the amount with the higher interest rate. So, even though I have already paid the one that expired in XXXX, they did not put the entire payment toward it and are now charging me interest. Even though I pay additional monies in an attempt to pay down the XX/XX/XXXX transfer, those payments do not go against that amount. I am at my wits end and do not know how to get someone to fix this. They have admitted to me several times that it is their error and their system did not trigger moving the first advance into the higher interest rate and then having my full payments applied against that amount. Surely this has to be illegal. What else can I possibly do to have this rectified??? PLEASE SEE MY PREVIOUS CLAIM 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 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI

Complaint narrative:
I opened an Allegiant Allways credit card last month through Bank of America and was charged a {$59.00} fee which I paid. The second day after using the card for several XXXX purchases, one of the orders was declined and they put a freeze on the card. I called them and they said the card was placed on a security alert, and to use the card, make any changes, or cancel it, I must physically go to one of their offices to answer more security questions and provide 2 forms of identification. The problem is that there are no offices in the state of Wisconsin where I live. I questioned them about why they froze the card and they could not find any reason as it was not an unusual purchase with XXXX. The same day they approved a couple orders with XXXX for a similar amount. I opened the account with the intent off accruing {$1000.00} of charges to attain the bonus points which would have given me a free flight on Allegiant which would have justified the price of the card. Since this is not possible because I can not use the card, I expect a {$59.00} refund. It is unreasonable to require me to physically appear at their office to even close the card. I am concerned about my credit rating which has always been over XXXX because I cant even close it before the next renewal fee. They should either unlock my card or issue me a refund.

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 2023-07-14 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: GA

Complaint narrative:
Subject : Factual Dispute of Charge-Off Account - XXXX XXXX Account XXXX  XXXX I am writing this letter as a consumer to dispute the accuracy of an account listed on my consumer report. Upon reviewing my report, I noticed that the charge-off account labeled as XXXX XXXX Account XXXX  XXXX has not been properly investigated following my previous dispute, as of today, XXXX XXXX XXXX. 

Despite my numerous attempts to address the inaccuracies related to this account, it has come to my attention that TransUnion continues to report this account as inaccurate, incomplete, and unverifiable. Specifically, I would like to bring to your attention the following discrepancies : Balance Reporting : TransUnion is inaccurately reporting the balance on this account as {$950.00}, with a past due balance of {$800.00}. These amounts are incorrect and do not reflect the true status of the account. 

Missing Payment History : Upon reviewing the updates from your agency, I have observed that there is no payment history being reported for this account. The absence of a two-year payment history further undermines the accuracy and verifiability of this account.

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 2023-07-14 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: CA

Complaint narrative:
This is my formal complaint to EQUIFAX for taking no actions on correcting and removing the fraudulent accounts that are still reflecting on my credit report and continue to damage my reputation. I have attached my FTC report with the report number XXXX. I was expecting that they will be reporting accurate information on my file but it seems they are not.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by XXXX XXXX XXXX here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent. 

1. The inquiry was not authorized XXXX XXXXXXXX Date of inquiry : XX/XX/ Please remove it from my credit report. 

2. The inquiry was not authorized XXXX XXXX  Date of inquiry :XX/XX/XXXX Please remove it from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
I have reached out to all three credit bureaus, regarding inaccuracies, and discrepancies, where that each reporting agency are reporting different accounts on my consumer report on some reports they are reporting so called collections account as open. Showing the same accounts twice. This is inaccurate reporting and needs to be removed which is not under FCRA compliance. This is damaging my consumer credit file. Equifax, is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  : IS REPORTING THIS SAME ACCOUNT XXXX XXXX XXXXXXXX : IS REPORTING XXXX XXXX XXXX XXXX  ARE ALL CONNECTED WITH THE SAME COLLECTIONS AGENCY. I DID REACH TO THE COLLECTION AGENCY THEY DID INFORM ME THAT THESE ACCOUNTS WILL BE REMOVE FROM MY CONSUMER CREDIT REPORT. I HAVE THE PROOF TO SHOW IT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Block, Inc.
State: IL

Complaint narrative:
This is not a duplicate request. My account had fraud activity that I reported and was closed with out a proper explanation or investigation. 

My Cashapp account was closed unwarrantedly. I requested the issue be investigated and rectified XX/XX/23 in which I was informed to check my email for updates and I would receive resolution within 15 business days. As of XX/XX/23, I have been unable to receive any updates on the investigation of why my account was unjustly closed. I have reached out to Cashapp over 3 occasions to check the status and they refuse to give any update. They continue to tell me that my concern has been routed to the proper department and that is the only information they have at this time and to continue to check my email for further information. I have also requested for them to escalate or have a manager contact me to assist with resolution but no one ever follows up. They are practicing deceptively and violating my consumer rights. They unfairly closed my account and will not provide a substantial reason. They simply refuse to provide any update because I know I have not violated any terms for them to close my account. There was suspicious activity on my account in which I inquired about and they informed me everything looked good on their end. Please explain to me exactly why my account was closed in detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: SANTANDER HOLDINGS USA, INC.
State: AZ

Complaint narrative:
I have recently seen a significant reduciton in income due to loss of employment since earlier this year. I have been able to maintain regular payments on my account except 1 extension granted to me for XX/XX/2023. I recently accepted a new position, and started a couple of weeks ago, but still find myself behind and anticipate another 2 months before I am caught back up and able to continue to make the payments. I have been a long time customer/borrower of Chrysler Capital and had a previous loan that was paid off after several years. I called in for assistance and was offered NO options, other than offered to document my inability to pay the account. Please help put me in contact with someone that actually can assist! Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Billing dispute for services
Company: CLGF Holdco 1, LLC
State: PA

Complaint narrative:
I had received a letter in the mail, claiming that a credit card from Milestone MasterCard has an open account under my legal name that has been charged off due to delinquency with an outstanding balance of {$1100.00} and sold to XXXX XXXX XXXX XXXX dating from XXXX of XXXX XX/XX/2023. I have never applied for a credit card under this company nor have I heard of this company before until I received this letter. I have contacted XXXX credit report, customer service to inform them of this fraudulent case but need further assistance from federal trade commission in order to ensure that this fraudulent activity will not be permanently recorded as part of my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
My XXXX credit report shows that I have a hard inquiry on my account. I have notified CapitalOne Bank which reported the incident as fraud. Also, the other day I contacted them again and my situation wasn't active anymore. I didn`t have my ss number linked to them anymore. So, I was wondering if I could get it removed, if possible, I've done my diligence.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I recently called XXXX ( XX/XX/2023 @ XXXX XXXX  ) I was transfered several times before talking to someone in another country and informed then that I vied a current Credit File and noticed several inquiries on my report that I did not authorize and would like to speak to someone to have them investigated and or removed. Again, after speaking to 3 people and an hour later I was still told they " We not investigate Hard Inquiries as they are a statement of fact, and that I would need to reach out to the one that expended credit or to whom I've applied '' I went on to tell them that this was not me and the said creditor verified this with me. Still after several conversations with them they still denied my right to investigate and remove these inquiries from my file. 

Also, while requesting ALL 3 Credit Bureaus to reinvestigate fraudulent reporting I am constantly told that " this item ( s ) has already been investigate and remains unchanged or that I am not able to reinvestigate an item that meets FTC requirements. I then ask for their ( Credit Bureaus - XXXX, XXXX & Experian ) means of verification or validation and I am told the said creditor or court verified. They fail to send and show me their steps in validating any debt reporting to my bureaus and are constantly reporting items in which I have given NO permission to report. 

It is an FTC requirement that all items I request to be investigated should be investigated and proof of investigation should be supplied to me upon request. If I am not getting these when requested how are the Bureaus? 

I would like some resolution to this matter ASAP! I have also files a formal complaint with thee FTC with regards to these matters and will not stop until these items ( hard inquiries and accounts are removed from my personal credit file with all 3 Bureaus )

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 2023-07-14 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY
State: WV

Complaint narrative:
Wells Fargos continued denial of wrongdoing is unacceptable! When its beneficial to Wells Fargo, the lack of records they dont have access to anymore, claims theres nothing they can do! I have the original Wells Fargo home mortgage statements late payment notices, foreclosure notices every month! All the payments I have attached and sent with this complaint, are the payments from the multiple monthly statements, the XXXX XXXX records, and every single payment written down, has the date, amount, and confirmation numbers with each payment. For Wells Fargo to insinuate they are forged, or whatever excuse is beyond ridiculous. They also have the audacity to say the payments reflected in our bank account XXXX, our bank must have charged a fee and that is why their payment amounts are not the same as our and our bank! Wells Fargo had no idea even in XXXX how much our actual payment was. XXXX had manipulated and defrauded our account. Wells Fargo just began making up numbers and lost payments. We have been assessed late fees from XXXX! On top of the bogus accidental death insurance, the other charges! And the numerous payments made in one month! The last foreclosure XX/XX/2014. As stated in a response about Account foreclosure actions! I have sent a letter from Wells Fargo, refusing our XXXX XXXX XXXX! Rhey couldnt accept the XXXX. Due to it not being enough???? 
Wells Fargo continues running a criminal enterprise! They continue to lie deny and produce fraudulent statements and documents! I have proven that they have and continue to lie and defraud us.

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 2023-07-14 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: EQUIFAX, INC.
State: TX

Complaint narrative:
It's ridiculous because I have always paid this account on time and have never been late. Please update my account accordingly.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: AL

Complaint narrative:
I am writing to delete and remove the following accounts and information off of my consumer report. The accounts and information listed below should not be reported on to my consumer report. This is a direct violation of the FDCPA and FCRA and needs to be deleted and removed off of my consumer report immediately as it's violating several laws. Remove these accounts and information immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CLGF Holdco 1, LLC
State: AZ

Complaint narrative:
Credit card with Indigo seviced by XXXX and XXXX XXXX XXXX. I have only used the card 1 or 2 time and was under my balance at all times. I made payments on time and then was told to make a payment of {$170.00}. I told them I could not make that type of payment but would set up a plan to pay {$50.00} on the XXXX of each month and on the XXXX of each month. I made these payments direct withdrawal. My problem has been because I could not make the XXXX they have continued to charge me a late fee every month for the last 6 months and have reported to my credit card rating which has taken my score to the depths. They have collected interest on this amount as well as one of the {$50.00} payments XXXX goes to late fees. I want to get out from under them but they way it is going it seems to be an impossible task.I am a XXXX year old woman on a fixed income and have always keep my payments current. This company makes it almost impossible. Any help would be greatly appreciated. Thank you so much XXXX XXXX . The Indigo cards last 4 numbers are XXXX and my email address is XXXX. phone # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: ENCORE CAPITAL GROUP INC.
State: PA

Complaint narrative:
Midland Credit Management has repeatedly called for a debt they refuse to identify including at my place of business which I have told them i can not accept calls at.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-14 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: TX

Complaint narrative:
Why do you continue to ignore my request to block outdated and unverifiable information? 
I have already provided the required documentation to report that my Identity was compromised by Equifax Data Breach here Is proof. 
I was a victim of Identity Theft and I already asked you to block these items in my previous letter. 
Per the Fair Credit Reporting Act Section 605B. Block of information resulting from identity theft [ 15 U.S.C. 1681c-2 ] ( a ) Block. Except as otherwise provided in this section, a consumer reporting agency shall block the reporting of any information in the file of a consumer that the consumer identifies as information that resulted from an alleged identity theft, not later than 4 business days after the date of receipt by such agency of ( 1 ) appropriate proof of the identity of the consumer ; ( 2 ) a copy of an identity theft report ; ( 3 ) the identification of such information by the consumer; and ( 4 ) a statement by the consumer that the information is not information relating to any transaction by the consumer.

The following items need to be removed and blocked as they are fraudulent.

1. there is some inaccurate information reporting. 
XXXX XXXX XXXX Account Number : XXXX Please remove it from my credit report. 

XXXX there is some inaccurate information reporting. 
XXXX Account Number : XXXX Delete this account. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX  Date of inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX.The inquiry was not authorized XXXX Date XXXX inquiry : XX/XX/2023 Please remove it from my credit report. 

XXXX. The inquiry was not authorized XXXX Date of inquiry : XX/XX/2023 Delete this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-07-14 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: FL

Complaint narrative:
EQUIFAX IS REPORTING INACCURATE/INVALID INFORMATION ON MY CREDIT REPORT. I HAVE BROUGHT THIS TO THEIR ATTENTION REQUESTING IMMEDIATE REMOVAL IF INACCURATE INFORMATION FROM MY CREDIT REPORT BUT HAVE NOT REMOVED THE INFORMATION AND/OR ACCOUNTS

Company response to consumer: Closed with non-monetary relief