vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: CITIBANK, N.A.
State: VA

Complaint narrative:
On XX/XX/XXXX, I bought two perfumes and a sample perfume at XXXXXXXX XXXX XXXXXXXX Macy 's store that cost around XXXX dollars. Macy 's employee told me I could get a discount if I made a Macy 's credit card, which I did. I wasn't sure if I could get approved since I am an XXXX XXXX. A couple of weeks later, I got a letter from Macy saying that the credit card was not approved at the [ first address ]. I thought Macy 's would send me a statement letter so I could pay the money owed, but I never got a mail or an email other than the E-receipt ( attached ). My phone number at the time was [ phone number ]. I did not get anything and I moved to a [ second address ] on XX/XX/XXXX. Macy 's may have called me, but I thought it was spam because all the call operators had the same accent as any other spam calls I received in the past. 

I saw my credit score dropping starting XXXX and I thought I didn't pay my other credits cards on time. It wasn't until XX/XX/XXXX when I requested a credit report and saw Macy 's credit card was the cause. 

I called Macy 's to pay for the perfumes and whatever interest charge I have, but they haven't given me any good information about my account and didn't give me a way to pay the charges. I don't have a credit card number or even a statement of the perfumes I bought. When Macy did not approve my credit card, Macy 's failed to take the next step of sending me a statement after they did not approve the credit card so I could pay the bill via email or mail.

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 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Non-sufficient funds and associated fees
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
This is a continuation of XXXX. 

This is a continuation of the complaint that I filed with the Consumer Financial Protection Bureau. 

As is indicated in Citibank 's records, from XX/XX/2022 to XX/XX/2022, my online transaction history did not reflect payment of {$99.00} for the XXXX  software until XX/XX/2022. According to the person with whom I spoke today, even with the {$99.00} which was credited back to my account today because of my request for refund, my account is still {$78.00} short. She said that I was short {$170.00}. The {$170.00} short was never reflected in my transaction history. 

I counted my transactions and discovered that I overspent. Please note, however, that the overspending is related to Citibank 's not keeping an accurate record my transaction history, and the associated balances that were misrepresented from XX/XX/2022 until today. 

Lastly, I received an e-mail from Citibank that it would suspend my account. If my account is suspended ( or closed ), I will not be able to receive my XXXX monies from the Social Security Administration. If this happens, I have to file a complaint with the Americans with Disabilities Act because I have a right to receive my XXXX payment without my account being closed as an act of retaliation. 

Where Citibank is concerned, I plan to close the account, but I will not close it until receive my XXXX money from the Social Security Administration. I do not want to close the account leaving a negative balance. 

Thank you.

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 2022-03-20 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was already discharged in bankruptcy and is no longer owed
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
I called to have this debt removed from XXXX and XXXX they said they would remove it because i cant pay it off XXXX  deleted it but XXXX and XXXX keeps telling me they will remove it and havent yet dont know what else to do

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
I own my home out right. I also own a 28 acre parcel. Yet my credit score is lowered because I have a paid off mortgage.

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 2022-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
THIS ACCOUNT IS NOT MINE!!! This is a violation of FCRA 605B ( 15 U.S.C. 1681c-2 ) and it must be deleted within 4 business days which already past because I AM A VICTIM OF IDENTITY THEFT BY LAW. DELETE THIS NOW. REMOVE IT OFF MY CREDIT REPORT IMMEDIATLY.

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 2022-03-20 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The CBE Group, Inc.
State: KY

Complaint narrative:
someone i NC used my ss # to open a cable service and now they say I owe them I've called and talked to them I've never lived in north Carolina

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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 own my home out right. I also own a 28 acre parcel. Yet my credit score is lowered because I have a paid off mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: FL

Complaint narrative:
I own my home out right. I also own a 28 acre parcel. Yet my credit score is lowered because I have a paid off mortgage.

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 2022-03-20 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: Maximus Federal Services, Inc.
State: FL

Complaint narrative:
XXXX, XXXX, and XXXX are reporting my student loans from XXXX and Aidvantage late from 2018 and I wasn't this has been plaguing for four years and it's preventing me from getting a house I need this resolve asap their not following their own rules when it comes tom time status and responding with the correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Opening an account — Account opened as a result of fraud
Company: WELLS FARGO & COMPANY
State: MO

Complaint narrative:
Someone opened a bank account in my name in XX/XX/2022 and XX/XX/2022 with Wells Fargo.

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 2022-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Collection Bureau of the Hudson Valley, Inc.
State: CA

Complaint narrative:
I was seeking federal funding, and I checked credit report before. I noticed some activity I did not recognize that I believe to be a mistake ( error ) or fraudulent. I have a collection reported from a collector in XXXX, New York ( Collection Bureau of the HU ). This is an error, if not then it is fraud. This is causing me distress and discomfort. Remove these negative marks and send me an updated credit report please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: MS

Complaint narrative:
EQUIFAX was sent an affidavit on XX/XX/2022. EQUIFAX was given 5 days to respond and have not responded in a reasonable amount of time. Therefore, according to the law they must comply with all demands made within the affidavit. I have made several attempts to peacefully rectify the issues outlined in the affidavit, but EQUIFAX continues to violate my consumer rights by improperly reporting unlawful information on my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: MD

Complaint narrative:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX Acct # 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 instruction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DC

Complaint narrative:
I was contacted by a friend on XXXX who asked me to invest in her company. I was reluctant but thought why not help an old high school friend. She asked me to invest three-hundred dollars into her company and that she could give me a return on my investment in the amount of XXXX XXXX XXXX XXXX dollars. I asked XXXX XXXX, XXXX XXXX, and XXXX XXXX who called me from a XXXX  phone number ( XXXX ) XXXX a few questions, and I was assured that it was not a XXXX scheme. Well, I sent the money through Paypal, and the next thing I know I had some other person named XXXX XXXX  who received the funds instead of my friend XXXX XXXX. I contacted XXXX XXXX, and she claimed that her account had been hacked and that it was not her in a video from the company she represents advertising for them. I showed her the video that she sent to me asking me to invest in her company. She again said that her XXXX account had been hacked. She never apologized or returned the funds to me. I contacted Paypal and opened a dispute, and reported by bank card stolen. I am asking if you could please look into this issue of fraud? I would also like XXXX XXXX, XXXX XXXX, XXXX XXXX, and XXXX XXXX brought up on charges of fraud. I don't want XXXX XXXX or her associates scamming anyone else out of their money. They are using Paypal and the XXXX to scam friends and associates into investing in a company that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I recently pull my credit report and I've noticed a handful of account on my report that i have absolutely no knowledge of. Before contacting XXXX, experian and XXXX i call each company that the fraudulent account was open and they could not verify any information that linked to me. I have never done business with these companies.

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 2022-03-20 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Unexpected increase in interest rate
Company: CITIBANK, N.A.
State: NY

Complaint narrative:
I have been a member of the diamond preferred Citi Mastercard for XXXX years, I have a XXXX XXXX of XXXX and have always been in good standing with Citi Mastercard. On XX/XX/XXXX I discovered that Citi XXXX had increased my XXXX XXXX XXXX which I have had for over XXXX to a XXXX XXXX  XXXX without notifying me by email, text, phone or XXXX mail of XXXX increase in XXXX and why there was an increase. After contacting the customer service number provided numerous times, the only explanation I received was that all Citi credit card customers XXXX was increased, and the XXXX XXXX increase to my XXXX was applied XX/XX/XXXX ( without contacting me and without my knowledge ). Unsatisfied with the answer from their customer service dept. somewhere in XXXX, I called again to the only numbers available to me and my calls were never answered ( almost like they did not want to talk to me because they had no credible answer to my question ). I am unable to talk to a representative in the XXXX. My real question IS THIS LEGAL?? Due to the dishonest practice and terrible customer service I received from Citi Mastercard I paid my {$4300.00} balance and closed my account on XX/XX/XXXX. For a XXXX yr customer of Citi Mastercard always in good standing the treatment I received left me to think how other customers were being treated. I also have XXXX other credit cards with different banks and companies and none of them have increased my XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, or the ridiculous amount of XXXX XXXX from XXXX month to another and if they were to increase my XXXX I am sure I would get an email, phone call, text or letter in the mail explaining WHEN and WHY their was an increase. Very bad banking practices by Citi Mastercard. 

Thank You, XXXX XXXX ( XXXX last XXXX digits of CC ) XXXX XXXX XXXX, XXXX XXXX XXXX  XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
TO WHOM IT MAY CONCERN : I am writing to delete the following information in my file. The items I need deleted are listed in the report. 

I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. 

I reported the theft of my identity to the Federal Trade Commision and I also have enclosed copies of the Federal Trade Commisions Identity Theft Affidavit. Please delete the items as soon as possible.

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 2022-03-20 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: Affirm Holdings, Inc
State: TX

Complaint narrative:
In XX/XX/2021 I applied for a loan to purchase a XXXX computer from a company called Affirm. I was then told that I already had a account. I have never before had any knowledge about this company called Affirm. I contacted them and was transferred to the fraudulent accounts department. It has been under investigation since. I have been notified every month about payments on this account due. I call them almost every month to see about the results of the investigation. They keep saying still working on it. Today XXXX the company Affirm reported to XXXX a new opened account in my name. I have disputed the account info and am waiting to hear back. Clearly its an Identity Theft. I dont understand and need someone to help me please. 
XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: FL

Complaint narrative:
For the last year and 1/2 I have been disputing incomplete bankruptcy reports on all three of the bureaus. Relative to in my frustrating I decided about a few months ago to take it up notch and dispute with the furnisher XXXX XXXX. With ease and appreciation, they remove the files without hesitation. They sent me a complete report of the investigation reflecting removal. Right along with a copy that I sent a copy of letter with court in questions stating they did not verify said entries to the bureaus. 
With frustrating the said they were verified after their investigation, ask for verified proof of such thing. Honestly with continue frustrating they gave me nothing at All. 
Further got document for XXXX XXXX  update of my report where they could look on it, on top of that hard copy of the page stated THERE ARE NO BANKRUPTIES REPORTED. 
Sorry for my yelling for moment. they still did nothing. They totally still to refuse even a brief description on how they come to this conclusion. They get continue to make tell lies and commit fraud on my ACCOUNT. I have gotten continued amount of denied credit because of Bankruptcies that do not belong there.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: FL

Complaint narrative:
For the last year and 1/2 I have been disputing incomplete bankruptcy reports on all three of the bureaus. Relative to in my frustrating I decided about a few months ago to take it up notch and dispute with the furnisher XXXX XXXX. With ease and appreciation, they remove the files without hesitation. They sent me a complete report of the investigation reflecting removal. Right along with a copy that I sent a copy of letter with court in questions stating they did not verify said entries to the bureaus. 
With frustrating the said they were verified after their investigation, ask for verified proof of such thing. Honestly with continue frustrating they gave me nothing at All. 
Further got document for XXXX XXXX  update of my report where they could look on it, on top of that hard copy of the page stated THERE ARE NO BANKRUPTIES REPORTED. 
Sorry for my yelling for moment. they still did nothing. They totally still to refuse even a brief description on how they come to this conclusion. They get continue to make tell lies and commit fraud on my ACCOUNT. I have gotten continued amount of denied credit because of Bankruptcies that do not belong there.

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 2022-03-20 00:00:00
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: Affirm Holdings, Inc
State: SD

Complaint narrative:
I have made several purchases with Affirm which acts in a similar way as XXXX, they offer you revolving lines of credit to use at various online retailers. 

I made Affirm aware that a purchase I made via XXXX was from a fraudulent seller and that XXXX cancelled the order. I received an email from Affirm acknowledging the cancelled purchase, and stated I would get a refund. I have never seen the refund. They then flagged my Credit Report for non payment, despite the proof that the order was cancelled and therefore I should not have been charged. That was back before XXXX of XXXX. I have still yet to see the return, despite showing proof from XXXX that the order was refunded to Affirm months ago, and that Affirm confirmed the refund. 

They have reported a second purchase of mine as being 90 days past due to my credit report, despite the fact that has ALSO been paid in full. I have several emails and screenshots and recorded calls between myself and the company showing that I have provided significant proof of emails dating back 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: FL

Complaint narrative:
XXXX, Transunion, and XXXX are reporting my student loans from XXXX and XXXX late from 2018 and I wasn't this has been plaguing for four years and it's preventing me from getting a house I need this resolve asap their not following their own rules when it comes tom time status and responding with the correct information

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 2022-03-20 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: EQUIFAX, INC.
State: FL

Complaint narrative:
Equifax, XXXX, and XXXX are reporting my student loans from XXXX and XXXX late from 2018 and I wasn't this has been plaguing for four years and it's preventing me from getting a house I need this resolve asap their not following their own rules when it comes XXXX time status and responding with the correct information

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-20 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: FL

Complaint narrative:
XXXX, XXXX, and Experian are reporting my student loans from XXXX and XXXX late from 2018 and I wasn't this has been plaguing for four years and it's preventing me from getting a house I need this resolve asap their not following their own rules when it comes XXXX time status and responding with the correct information

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