vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
On XX/XX/XXXX, a fraudulent charge in the amount of {$73.00} was charged to my Shell Mastercard ( Citibank ). I immediately made a call to Citibank and attempted to put in a fraud claim, and the representative told me I needed to wait until the charges cleared to take any action, and could not even deactivate my card. The web portal would also not let me report my card as stolen at this time. Believing the representative, I let it be. 

On XX/XX/XXXX, a second fraudulent charge in the amount of {$350.00} was charged to the same card. I ( again ) immediately called Citibank to report the issue. The representative I reached this time was able to initiate a fraud claim and deactivate my card, as well as temporarily reversing the charges pending investigation. 

On XX/XX/XXXX, Citibank reached out, but I have not been able to return their calls due to the opening hours of their Security Operations department ( XXXX M-F ). On XX/XX/XXXX, I attempted a call, but I was then informed of their hours and was unable to proceed ( the XXXX is a saturday ). 

On XX/XX/XXXX, this fraud claim was denied, with no evidence provided as to their decision. I placed a call to Citibank to attempt to escalate or resolve the issue, but they informed me the department in question ( Security Operations ) is not open and could do nothing 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 monetary relief
Consumer complaint received 2022-05-21 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: CL Holdings LLC
State: FL

Complaint narrative:
An account with XXXX XXXX XXXX is still appearing on my credit file as a charged off account with XXXX $ written off amount this account was sol to Jefferson capital and I paid this account off the have not validated the debt and I would like the account removed from all three reports immediately my next step is legal action this account has been paid in full over a year ago

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: Experian Information Solutions Inc.
State: NC

Complaint narrative:
on XX/XX/2022 I sent a letter regarding inaccurate and misleading things on my credit report to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my dispute. Section 611 ( a ), it is clearly stated that a failure to investigate these items within 30 days give a reason to immediately remove those items from my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be removed immediately or I will file for litigation due to the stress you caused in my life.

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 2022-05-21 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: CITIBANK, N.A.
State: OH

Complaint narrative:
Previously, I have always paid my balance in full every month with CitiBank. I accepted a Flex Plan offer to pay for appliances & since then I have been charged interest on every statement on my regular balance. I still pay my regular balance in full every month & make the required Flex Plan payment. I understand that I am paying interest on my Flex Plan balance every month. I called in twice to request the total minimum payment required to avoid interest on the standard balance & in both cases, given an incorrect amount. Paying this amount resulted interest being charged on my standard balance. Just before closing the account, I redeemed my awards points on Citi 's website for {$130.00} of credit towards the account & appears that my request was cancelled on Citi 's end & the points forfeited due account closure.

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 2022-05-21 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX  XXXX  Account # XXXX, XXXX  XXXX  Account # 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

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: Financial Data Systems
State: NC

Complaint narrative:
the credit bureau never did a propre " investigation " according to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, 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 information.

they did not do this.

Also, they have violated my right even more in accordance with the Fair Credit Reporting. 

The credit bureau stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal. 
They also violated the law, because according to 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 Comsumer reporting agency can not furnish an account without my written instructions. 

I did not give anybody written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR

Complaint narrative:
I have not received the {$730.00} that was allegedly transferred by XXXX to my Capital One 360 Checking account on XX/XX/2022 at XXXX. I did however receive XXXX transfers ( {$5.00}, {$60.00}, {$190.00} ) that was attempted the morning after. I did these transfer through XXXX as a test because XXXX XXXX received the previous transfer. I contacted XXXX although they did send an email verifying that the transfer of {$730.00} was sent. I received a transfer trace number to give to my bank. I immediately called my bank because I was still looking for the transfer of {$730.00} that was done the night before. In the initial email after the first transfer attempt in the amount of {$730.00} it was said that I would receive the transfer in 20 minutes. That was XX/XX/2022. Today is XX/XX/2022 and I have yet to receive. I spoke with several people through XXXX including XXXX XXXX and XXXX ( No last name ). I have been directed by XXXX to do the following : Since theres no indication in our system that this transfer was unsuccessful, if your bank states they are still unable to locate these funds, well need your bank to provide the following : 1.Written documentation confirming that this transfer was either rejected or unsuccessful. 
Reverse 2.Trace Information for the transfer if it was reversed.

3.The name and number of the manager you spoke with we would be happy to reach out to them directly to resolve this issue. 

Capital One has refused to do anything for me that XXXX has suggested above. They also wont trace the transfer ID number that was given to me by XXXX. Their reason is because the number XXXX gave me is only 12 characters long. They said it will have to be 15 characters long. The only thing the bank would do was allow me to file an investigation with my bank but they wont contact XXXX to try to resolve this on my behalf! This will be a 21 day investigation where I will not have any access to the {$730.00}! Ive never had this to happen to me and I dont feel confident that my bank will work for me. I have emails sent from XXXX that support that the transfer has been sent but Capital One Bank refuses to allow me to send those supporting documents! All I need is a letter from management with Capitol One stating that they have NOT received the instant transfer and it was not credited to my account. I would then be able to submit this to XXXX so that they can reverse the transfer. This couldve been done in more of a timely manner instead of having to wait 21 days for an investigation. Capital One is being very uncooperative.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: CAPITAL ONE FINANCIAL CORPORATION
State: NJ

Complaint narrative:
Im accordance with the fair credit Reporting act XXXX Account # XXXX, has violated my rights. 
15 USC 1681 Section 602 States I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

15 USC 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXXXXXX XXXX XXXX  Account # 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

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 2022-05-21 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: VA

Complaint narrative:
In accordance with the Fair Credit Reporting act XXXX XXXX Account # XXXX, XXXX XXXX Account # 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

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 2022-05-21 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem making or receiving payments
Company: M&T BANK CORPORATION
State: NY

Complaint narrative:
M & T bank located at XXXX XXXX XXXX, XXXX XXXX sent a letter on XX/XX/XXXX indicating that My checking account will be closed and that I should make all necessary steps to transfer all direct deposits and automatic withdrawals by XX/XX/2022. I reached out to bank and asked for a reason but the Vice President indicated that it was a business decision. The date on letter was marked XX/XX/XXXX but I did not receive letter until XXXX XXXX, 30 day notice marked at bottom of letter was not accommodated so I had 14 days to change all of my auto deposits and withdrawals -Went into bank and the representative indicated that I would have until XX/XX/XXXX extension but would not give me any official letter of proof of extension so I went to different branch after I explained that I was withdrawing all of my funds from ATM -Requested that account be closed but bank reached out to XXXX XXXX XXXX and I was told that there was a restriction put on my account. No additional information was given as to whether or not my Mortgage account would be closed.

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 2022-05-21 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit repair services
Issue: Fraud or scam — 
Company: EQUIFAX, INC.
State: MN

Complaint narrative:
During application of home loan process, I was informed my credit scored has been hit by certain potential fraud actions someone took using my personal information. I do not recognize the hard hits that were made on my credit score and it appears somebody provided my details to those lenders/credit card companies. 
I want to remove these transactions that are hitting my credit score as these unauthorized hits are impacting my score and potential home loan rate. I have not been late on payments for credit cards bills and do not have any significant debt that could impact my score. I am in a permanent job as well and make good money. So, I request to take into consideration for removing these fraudulent activities that are impacting my credit score for no reason. Thanks so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: FirstPoint Collection Resources
State: NC

Complaint narrative:
the credit bureau never did a propre " investigation " according to the FCRA the term " investigate consumer report '' means a consumer report or portion thereof in which information on a consumer 's character, general reputation, 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 information.

they did not do this.

Also, they have violated my right even more in accordance with the Fair Credit Reporting.

The credit bureau stated my account was properly investigated, but how is that possible if the open date is inaccurate, the date last active is inaccurate, and date last reported is not accurate. This is ground for removal.

They also violated the law, because according to 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 Comsumer reporting agency can not furnish an account without my written instructions.

I did not give anybody written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: Bread Financial Holdings, Inc.
State: DE

Complaint narrative:
On XXXX XXXX, i fell victim to a multilayered scam operation orchestrated by XXXX XXXX XXXX ( a fake company ), with the design, development, manufacture, promoting, marketing, distribution, labelling and/ or sale of illegal and outright fraudulent " investment services '' all of which aim at contributing to the goal of robbing and defrauding clients, through a predetermined cycle of client losses to gains. 
Money was transferred from my account via credit card and through an intermediary named XXXX XXXX in the total amount of {$500.00} utilizing the Comenity Capital Bank. 
XXXX XXXX XXXX a fake company cleverly orchestrated a prevalent scheme of deception to lead people to invest significant sums while knowing that those would be investors would ultimately lose the money that they had entrusted to it. The overall purposes of the scheme in other words was to target and defraud people who are often in experienced and nave, in pursuance of illicit wealth through various fraudulent representations.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: I.C. System, Inc.
State: SC

Complaint narrative:
I was a XXXX customer for XXXX. We used their service yet reported on numerous occassions that we wished to cancel their services for killing our grass. 

We stopped using them XX/XX/XXXX. 

We moved to XXXX XXXX  and sold our home in XXXX XXXX XXXX said they treated our former XXXXXXXX XXXX home twice in XXXX. 

After several calls, they agreed to remove the charges. 

I received this collection notice from I.C. Systems Inc., XXXX XXXX XXXX, XXXX XXXX MN XXXX for {$56.00} I am XXXX XXXX XXXX and believe this harassment for an attempt at collections is a violation of XXXX XXXX  - Financial.

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 2022-05-21 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Other features, terms, or problems — Other problem
Company: Bread Financial Holdings, Inc.
State: NC

Complaint narrative:
Comenity company has bought out all my store cards XXXX XXXX, XXXX, XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX. I originally applied for the card with the store. However, Comenity bought out all my accounts and now I make my payments to Comenity. Now, Comenity is sabotaging my credit score and credit report. They decided to drop all credit lines since I had a deregotory mark on my credit report ( I had a XXXX XXXX bill placed in Collections ). However, I have made my payments on time and was building my credit. We are trying to purchase a home and now our dreams have been destroyed by this company. Their customer service is over seas and they are unable to assist. 
A company should not have a monopoly on all credit cards and then have the ability to drop all my credit lines.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: SLM CORPORATION
State: OH

Complaint narrative:
I cosigned two student loans through Sallie Mae for my daughter XXXX XXXX. XXXX became seriously ill in 2021 and has been off work without pay due to her illness. She had major XXXX XXXX on XX/XX/XXXX and then a second XXXX on XX/XX/XXXX and spent over XXXX weeks at XXXX XXXX XXXX. She is scheduled for a third XXXX on XX/XX/XXXX where they will be removing a portion of the left side of her brain. She will need many months of recovery before we know if the XXXX was successful or not and if she will be able to go back to work. Sallie Mae informed us the only way they can do anything about the loans is if she is declared permanently XXXX but we wont know that for quite a while. At this time she is no longer able to work , drive, or even be by herself. She needs constant care 24 hours a day. They are now coming after me for the loan payments and I understand that I am responsible as the cosigner. However, when I co-signed those loans I was making quite a bit more money and unfortunately I was laid off of my job that I held for 13 years due to no fault of my own and I now make considerably less. I struggle to pay my bills and I have almost completely wiped out my XXXX XXXX XXXX XXXX. When the loans went 60 days past due it reported to my credit and knocked my score down XXXX points. This was devastating to me at the age of XXXX! Sallie Mae informed me that once the loans default in the end of XXXX I can have my wages garnished or a lien put on my home. If they garnish my wages theres absolutely no way I can afford to pay my living expenses. The equity in my home is all the money that I have at my age and if they come after that I dont even know what the point of living is anymore. XXXX XXXX has been absolutely devastating to our whole family and now we are both being ruined financially for something that is totally out of our control. I would pay the loans if I had the money but I just dont have it and I dont know where to come up with it. I already know that I have to work until Im XXXX XXXX XXXX because I dont have any money for retirement.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-21 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: Experian Information Solutions Inc.
State: SC

Complaint narrative:
I was working with this company and the account was closed in XXXX. They are still reporting late payments on my credit report while the account is closed. They report late payments on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, the account has been closed since 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