vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: AR

Complaint narrative:
I have two cards through citi that were enrolled in the payment protection program in XXXX without my knowledge. This is a variable amount that is figured off of the ending balance on each card. I amassed charges in the amount of {$1500.00} on one card and XXXX on the other without figuring interest on the fees they charged. 

Yes, I feel like an XXXX for not catching it sooner. I checked my accounts monthly for any charges I did not recognize and did not question the amount listed on my statement as fees, which appeared right above the amount of interest charged. I figured it was a card usage fee and had no idea that it was an optional insurance fee. Had it been listed as a charge for a service, I would have noticed and cancelled it long before now. None of my other cards have anything even remotely similar an this is not a type of service I need or would purchase. 

Citi has told me that no proof of enrollment exists, only that I agreed to it during a phone call with them. I have spoke at length with XXXX in their customer service dept and he has told me that I can dispute the charges, but he can only go back through XXXX to see the amounts. In a letter I received after cancelling payment safeguard, citi states that any previously billed fees are non-refundable. 

The whole practice feels shady at best and I can not see where it is ok to list a payment taken for an optional service is listed only as a fee with no line item description. 
Help in recovering any of this amount would be appreciated and an amendment to how they list the charges might help others notice before they pay for something they don't need and didn't sign up for.

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 2021-03-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
I got a free copy of my credit reports through XXXX XXXX XXXX today XX/XX/21 because I am planning on refinancing my car later this year however, I noticed that there are a few credit inquiries on my report that are not mine. The inquiries are from different companies all of which I have never applied to ; I did not authorize these companies to run or access my credit file nor am I affiliated to them in any way. I don't know who is responsible for these credit inquiries but I have taken it upon myself to file a police report as well as complaint with the Consumer Financial Protection Bureau in hopes of getting unauthorized credit inquiries removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: DISCOVER BANK
State: PA

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
I got a free copy of my credit reports through XXXX XXXX XXXX  today XX/XX/21 because I am planning on refinancing my car later this year however, I noticed that there are a few credit inquiries on my report that are not mine. The inquiries are from different companies all of which I have never applied to ; I did not authorize these companies to run or access my credit file nor am I affiliated to them in any way. I don't know who is responsible for these credit inquiries but I have taken it upon myself to file a police report as well as complaint with the Consumer Financial Protection Bureau in hopes of getting unauthorized credit inquiries removed.

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 2021-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
There are numerous accounts and inquiries listed on my credit report that I have NO knowledge of and did NOT authorize. This was a result of malpractice or an error.

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 2021-03-03 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: EQUIFAX, INC.
State: FL

Complaint narrative:
There are numerous accounts and inquiries listed on my credit report that I have NO knowledge of and did NOT authorize. This was a result of malpractice or an error.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: MS

Complaint narrative:
On XX/XX/2021, i wrote a letter requesting some proof on how inaccurate accounts were verified on my credit report. It has been almost two months and i have not heard a response when the fcra gives 15 days for them to provide me this 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
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Tesla, Inc.
State: NJ

Complaint narrative:
Tesla Solar Bill : Bill Amount : {$1000.00} I tried to talk to Tesla to revised the contract because I am having hard ship to pay the energy bill. And now I can not afford it. They are keep adding the amount every month, even its not producing any energy during winter time. There is no solar light out. Its cloudy most of the winter and the day is short. Their Device is not functioning. 

They are keep calling and put it on my credit file. 
They call every day. I said I can not pay the bill BECAUSE MY INCOME HAS FALLEN AND until you revise the contract or you can take your Solar Panel back. 

They do not want to do either of them, THEIR MONITOR HAS GONE BAD ( NOT FUNCTIONING ) TO TRACK THE ENERGY USAGE, STILL THEY ARE SENDING ME A BILL EVERY MONTH. 

The company has already collected State and Federal Credits for themselves.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: ALLY FINANCIAL INC.
State: AL

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

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 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Old information reappears or never goes away
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AL

Complaint narrative:
XXXX is currently reporting an unverified debt to TransUnion and XXXX. In the past i've disputed this debt with the collection agency and credit reporting agencies. This account had been successfully removed from my report years ago and just recently, added back. It's also reporting a more recent account open date of XXXX, which is completelyinaccurate. This account was originally owed to XXXX XXXX in XXXX, seven years ago. Neither reporting agency has been able to verifythis debt or respond in a timely manner. XXXX has never contacted me explaining why I may or may not owe on this debt nor have they been able to validate this debt.

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 2021-03-03 00:00:00
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't temporarily delay making payments
Company: AES/PHEAA
State: CA

Complaint narrative:
On XX/XX/XXXX, after being advised on multiple occasions via the channels that have serviced my student loans with American Education Services ( AES ) /NCT, I was advised by AES XXXX that they are unwilling to assist me with placing my student loans on a Natural Disaster Forbearance for several natural disasters which have affected my employment including the Bond Wildfires in XX/XX/XXXX, and the California wildfires in XX/XX/XXXX, both as declared by XXXX XXXX This, in addition, to the severe hardship I am still encountering due to COVID-19 financially and medically, as explained to AES Servicing on multiple occasions via phone and in writing. 

AES is arbitrarily denying my request for assistance, even in lieu of the Natural Disasters for which my loans qualify. In addition, in working with AES, I was advised that they are able to complete an in-house Exception Forbearance when the lender ( NCT ) does not respond, and at present are now seemingly unwilling to do so even in lieu of processing this previously and advising me that this could be done again should my severe hardship perpetuate as it has. I feel that at this time, I am being unfairly treated by this company, whom is unwilling to assist me during an exorbitantly difficult time, even in lieu of all of the documents requested being provided including proof of unemployment due to COVID-19 and the documented natural disasters as described. I have also contact AES XXXX XXXX XXXX XXXX, and the Executive Office, with my contacts going unanswered by the Executive Team. 
At this time, I am requesting immediate contact from executive management to assist me in placing these loans in a Natural Disaster forbearance as previously promised and advised to me via these avenues.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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 — Problem with personal statement of dispute
Company: FORD MOTOR CREDIT CO.
State: MI

Complaint narrative:
ford motor credit comp XXXX, NE XXXX XXXX XXXX XXXX involves previous years account numbers XXXX XXXX. XXXX XXXX. XXXX XXXX. XXXX all reporting late ford motor comp. verbal communication to remove all late reporting when all amounts were current. while pandemic has destroyed my personal financial stability due to credit scores being affected by this negative reports on my credit reporting with all 3 bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
I called Citi Bank 1-2 months ago and asked them to close my account and reverse a negative balance that accrued due to the account balance being left at {$0.00}. They said they would reverse the charge and close my account as per my request. They never did, which I noticed when I got an email saying I had a new Citi Bank statement. This new statement showed that my account, which was supposed to be closed, again had a new negative balance, so I called Citi, who once again told me they would reverse the balance back to {$0.00} and close my account. This second call was 2-3 weeks ago. Then, for a third time, I got an email saying I had a new Citi statement. I checked it, and lo and behold, my account had again not been closed. My account said I owed a balance but at the same time it looked like maybe they had reversed it ... it didnt appear to make much sense. Shortly after this, I got an email from Citi saying my account had been closed due to a negative balance accruing and never being paid ... This was all a huge XXXX up on part of Citi and they have all the calls I have with them recorded ( they told me this on the most recent call ). Citi says I owe them {$80.00} and to remedy this, they said they would send me a check for {$80.00} that I can take to a Citi Bank location to pay it off. This is not an appropriate remedy as they are the ones who made the error ( several times in a row ), and for me to follow through with this would be to say I was in the wrong and therefor affect my checking account reporting in the future. Its not just the principle here but my financial history/reporting that will be affected.

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 2021-03-03 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
XXXX  XXXX XXXX is trying to come after me over an account that was awarded to my X husband ( XXXX XXXX XXXX XXXX in our Divorce in XXXX have not had financial responsibility on this XXXX XXXX XXXX XXXX since XXXX. XXXX passed away in XXXX of XXXX and now XXXX XXXX XXXX is trying to come after me. This is total fraud and should not be on my report AT ALL ... 

I am not XXXX XXXX XXXX therefore this should not be on report this is highly illegal and once again fraud. They are just trying to get money after someone has passed away and we have been divorce for over 30 years.

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 2021-03-03 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: NC

Complaint narrative:
Transunion union displays innacurrate employer on credit report. I do not work for XXXX XXXX, I work for 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 2021-03-03 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: WELLS FARGO & COMPANY
State: TX

Complaint narrative:
I accepted a promotional offer from Well Fargo. At the time they did disclose that payments would be applied to the highest interest rate above the minimum payment. However, what they did not disclose was that you have no method to pay off particular portion or charges leaving zero options to avoid paying interest except paying off the card in full. My under standing was that their was an up front fee. Their was no disclosure that my actual interest rates would be higher because of Wells Fargo conceived limitations to how a creditor can pay off balances in a payment system. 

Furthermore, I was told their was no disclosure about the payment limitation nor one about the fact that some of your " Balances are Subject to Interest Rates '' when I agreed to the offer. 

In review. Instead of being charge the disclosed flat rate ( 4-5 % ) I'm actually paying 5 % plus 21.99 % variable rate on 10 % of my account balance. I have no idea how they came to that figure because I paid off the card prior to accepting the offer and they refused to disclose it and/or mail me anything once I questioned them. Even if I wanted to pay off those " Balances Subject to Interest Rates '' I can not do so because Wells Fargo 's designed/programmed the to do just the payment system to be able to collect additional fees not disclosed. 

I find that to deceptive business practices.

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 2021-03-03 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: Bread Financial Holdings, Inc.
State: OH

Complaint narrative:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
My vehicle was damaged when I placed it on third party app called XXXX. XXXX XXXX  renter nearly totaled the vehicle and abandoned it 77 miles away from my home. XXXX was completely useless for the first 2 months and did not assist me or even start a claim with their insurance until my car was repossessed, due to impound fees. XXXX tried to fraudulently claim that my vehicle was stolen while rented by their driver, but the driver was actually involved in 2 accidents that day, not just the one resulting in $ XXXX in damages and the abandonment of my property. My good credit was ruined because Wells Fargo reported it as a repossession, eventhough there were no late payments on the account. I had even contacted Wells Fargo a month prior to the repossession and was told that as long as I continued to make my payments on time, that they would not get involved. This was a complete lie because now my credit has been ruined with this negative account reporting to public records. I feel very taken advantage of in this situation. XXXX intentionally waited to open claim with their insurance because they always intended to claim the car as theft. Wells Fargo was made aware of the situation and lied by stating that they weren't going to repossess it because they had no right to so long as the payments were 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 2021-03-03 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: EQUIFAX, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX is trying to come after me over an account that was awarded to my X husband ( XXXX XXXX XXXX XXXX in our Divorce in XXXX.I have not had financial responsibility on this XXXX XXXX XXXX XXXX XXXX XXXX. XXXX passed away in XXXX of XXXX and now XXXX  XXXX XXXX is trying to come after me. This is total fraud and should not be on my report AT ALL ... 

I am not XXXX XXXX XXXX therefore this should not be on report this is highly illegal and once again fraud. They are just trying to get money after someone has passed away and we have been divorce for over 30 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 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: EQUIFAX, INC.
State: GA

Complaint narrative:
There is incorrect personal information on my credit report. I need the bureaus to update this as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-03 00:00:00
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Kimball, Tirey & St. John LLP
State: CA

Complaint narrative:
On XXXX XX/XX/XXXX, a letter was received by mail from a Debt Collector agency under the name KIMBALL , TIREY & ST. JOHN LLP. The letter is a demand for debt supposedly owed from the original creditor of " XXXX XXXX XXXX, XXXX XXXX, CA XXXX ''. On XXXX XX/XX/XXXX at approximately XXXX XXXX., I received a threatening phone call from the from the debt collecting agency in regards to the debt that is being mentioned on the letter that was sent by mail. The debt collecting agency presented in a threatening manner along with intimidation tactics that the if the debt is not paid then they will pursue legal proceedings and to include arrest due to the substantial amount of the debt that they are attempting to collect from the original creditor. 

Please be advised that the following unsubstantial debt has no basis to any legal claims due to the landlords violation of allowing illegal activities on the premise that created problems to the law-abiding tenants. The landlord ignored the plea from the tenant who requested reasonable solutions and accommodations for the safety of his family and other tenants due to the on-going criminal activities. Due to unsafe condition, my family and I were forced to vacate to another location and in result filed a police report to the XXXX XXXX Police Department ( Case # XXXX dated : XXXX XX/XX/XXXX XXXX. 

The landlord ( s ) failed to take reasonable steps to prevent the crime and reasonable steps to address the reasonable request for safety that the tenant presented during the residency period in result that a tenant suffered an assault due to the crime that occurred within the premise. 

The landlord has presented themselves to be crime-tolerant and ignored the reasonable request for a safe and healthy living condition. Furthermore, both the creditor ( landlord ) and the debt collector has engaged in intimidation tactics to collect the unsubstantial debt in which the tenant and his family did not ask for. There must be a way to protect us law-abiding citizens from such unlawful practice.

Company response to consumer: Closed with explanation