vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Communication tactics — You told them to stop contacting you, but they keep trying
Company: CITIBANK, N.A.
State: NJ

Complaint narrative:
On XX/XX/XXXX I sent a certified letter of cease and desist all forms of communication with me as related to this alleged debt. The letter was sent certified mail, signature required for delivery. The letter was received by Citibank representatives on XX/XX/XXXX @ XXXX am and stamped received. On XX/XX/XXXX I received a XXXX envelope, ( see attached tracking information, sent to me by Citibank Group ) sent 2nd day air. That tracking # is XXXX and was delivered to me on XX/XX/XXXX. Inside was a letter from Citibank, acknowledging my cease and desist letter and would not longer contact me about your ( alleged ) past due status on your account. Also, Citibank acknowledged receiving my request to cease and desist in this letter and stated they would not reach out to me, contact me further. 
Today, XX/XX/XXXX Citibank violated my cease and desist demand after acknowledging receiving such in there letter received XXXX day air as noted above dated XX/XX/XXXX and received by me on XX/XX/XXXX. 

Citibank, after acknowledging my demand to cease and desist letter, called my home XXXX today, XX/XX/XXXX ( 5 ) FIVE TIMES just today! The times they called today were XXXX am, XXXX am, XXXX am, XXXX am and XXXX pm all Eastern standard time. This is in violation of my rights Pursuant to the Federal Fair Debt Collections Practice Act ( 15 USC, 1692c ).

This recent attempt to continue to harass, intimidate and cause me anxiety and distress is unacceptable and unethical behavior and practices of Citibank. 

Im asking this agency to hold Citibank accountable for their obvious, intentional and illegal practices of continuing to contact me even after receiving my letter of demand to cease and desist, received by Citibank officially with signature verification received on XX/XX/XXXX @ XXXX am then receiving a letter from Citibank sent XXXX 2nd day air with tracking information provided from them, Citibank, actually acknowledging they are in receipt of my cease and desist order and stating they would not longer contact me is just unacceptable. They lied and blankly ignored my rights to not contact me and more importantly, ignored the law Ive stated above. Again, Im asking the department of consumer affairs to take the appropriate action and hold Citibank accountable for their illegal practices. I would also want this complaint forwarded to the Federal Trade Commission and any other agencies that could also take action against this company, Citibank.

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 2024-10-30 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I am requesting your help to investigate such accounts from these companies that are reporting me inaccurately about the late payments. I have reviewed and checked my credit report and saw that these certain accounts have late payments which is not correct. THERE SHOULD NO LATE PAYMENT REMARKS ON THESE ACCOUNT

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY

Complaint narrative:
I am writing to formally request the blocking and deletion of fraudulent accounts and inquiries on my credit report under the Fair Credit Reporting Act ( FCRA ), specifically pursuant to 15 U.S.C. 1681c-2 ( a ) and FCRA 605 ( b ), due to my status as a victim of a data breach. I am exercising my right under these laws to have fraudulent information removed from my credit report. 
The following accounts have been identified as unauthorized and fraudulent : XXXX. XXXX XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$810.00} XXXX. XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$960.00} XXXX. XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$3100.00} XXXX. XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$1200.00} XXXX. XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$960.00} XXXX. XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$17.00} XXXX. XXXX XXXX Account # XXXX Date : XX/XX/XXXX Balance : {$410.00} XXXX. XXXX XXXX  Account # XXXX Date : XX/XX/XXXX Balance : {$200.00} Additionally, I request the removal of the following unauthorized inquiries : XXXX. XXXX Date : XX/XX/XXXX XXXX. XXXX OF XXXX Date : XX/XX/XXXX XXXX. XXXX XXXX XXXX Date : XX/XX/XXXX XXXX. XXXX Date : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC.
State: CT

Complaint narrative:
I am writing to file a formal complaint regarding unauthorized accounts appearing on my credit report. Despite my repeated attempts to have these accounts removed, they persist, causing significant damage to my financial reputation and well-being. The accounts in question are in clear violation of 15 USC 1681b regarding permissible purposes. It is evident that the credit bureaus have no permissible purpose to report these fraudulent items without my explicit consent. Please see attached file for these items I am complaining.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Applying for or obtaining a modification, forbearance plan, short sale, or deed-in-lieu
Company: SN SERVICING CORPORATION
State: MS

Complaint narrative:
Per my last submission on this website this company is still refusing to work with me. I just received {$1600.00} back today of which I mail this month. No mention of the insurance request that I have asked for on XXXX occasions. 

This company is trying to steal my property and I need assistance on what to do as soon as possible. I will be talking with XXXX in the morning. Please help me I am not XXXX months behind for them to keep returning payments. I need answers as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Money transfer, virtual currency, or money service — Money order, traveler's check or cashier's check
Issue: Problem with customer service — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
On XX/XX/year> I purchased a cashier 's check in the amount of {$85000.00} for the closing costs for a home I am buying from US bank. I had the funds in my account. I closed with the title company on XX/XX/year>. On XX/XX/year> the title company called and informed me they could not process the cashier 's check as there was a stop payment on it. I called the branch I purchased it from, and they advised they dis not know why or how a stop payment was put on a cashier 's check as they are certified funds. They transferred me to the hot line. The hot line can not tell me why there is a stop payment on it. The funds were not put back into the account from where they were drawn. The title company is now showing as negative {$85000.00}. The hot line is telling me the only way to fix the issue is to go to the branch I purchased the cashier 's check from and see if they will issue another one. The representative can not guarantee they will. She has been trying to get in contact with the branch but they apparently are not responding. As well, I work Catastrophe insurance and am currently assigned to the XXXX and XXXX XXXX in the southeast and as such am scheduled to work XXXX to XXXX Monday through Sunday. I have the title company on a three -way phone call with US Bank support, but US Bank support is unable to provide any reasoning on why there was a stop payment on the check or how to fix it. If we do not get the funds to the title company, they will have to reverse the close and the effects from this could ripple for months and may cause me to lose the loan and the home. As of right now, I have been on the phone with US Bank for almost XXXX hours and nothing new has been figured out, either on why this happened or how to fix it.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
I am writing to express my concern regarding the disputed accounts on my credit report. Multiple times, I have raised the issue of inaccuracies in these accounts, and have consistently requested that they be thoroughly investigated. Despite my efforts, I have yet to receive any resolution or corrective action. These erroneous accounts are severely damaging my credit file and hindering my ability to live a normal life. The negative effects of these inaccuracies have caused immense hardships for me, and I am left with no choice but to plead for your assistance in rectifying this situation as soon as possible. I kindly request that you conduct a thorough investigation into the reporting of each of these disputed accounts. It is imperative that the necessary steps are taken to update and rectify my credit report without any further delay. With your help, I hope to restore the accuracy and integrity of my credit file so that I may regain control over my financial well-being. I sincerely urge you to give this matter your utmost attention and take swift action. Your cooperation and support in resolving this issue promptly would be greatly appreciated. Thank you in advance for your understanding and assistance.

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 2024-10-31 00:00:00
Product: Credit card — Store credit card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: CITIBANK, N.A.
State: MD

Complaint narrative:
Home Depot/ Citibank updated my credit card account with a deferred balance promotional offer that I never opted into or signed up for which affected my credit card balance and payments for XXXX XXXXXXXX XXXXXXXX and when I did not pay because I was not aware there was a promotional balance carried forward and based on my knowledge there was no balance to pay since autopay always pays balance in fullI received a notice via email and called and was told that for XX/XX/year> there was no payment deducted with autopay because the account had a promotional offer applied which means it interrupted my account setup and caused my autopay to not run as schedule and then cause a higher than normal balance that I was unaware. Citibank then flagged my account in XXXX and reported it late to the credit bureaus which has a negative impact to my credit for this said promotional balancethis unauthorized change to my account has impacted my credit negatively from XXXX credit to XXXX score while Im trying to make a real estate purchase. The company removed the late fee from my account as they found it wasnt warranted due to the promotional balance but refused to update the credit bureaus and continued to hurt my credit with a promotion I never signed 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 non-monetary relief
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting 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:
I HAVE BEEN AFFECTED BY THE EQUIFAX DATA BREACH. PER 15 USC 1681 C-2 STATES 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. 

Account Name : XXXXXXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX  # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX XXXX XXXX # XXXX Account Name : XXXX  # XXXX Account Name : XXXX # XXXX UNAUTHORIZED INQUIRIES : XXXX XX/XX/year>XXXX XXXX XXXXXX/XX/year>

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: GOLDMAN SACHS BANK USA
State: WA

Complaint narrative:
On XX/XX/XXXX XXXX by Goldman Sachs closed my account because they did not receive a signature card from me. I mailed back the signature card around the middle of XX/XX/XXXX. I received a letter from the bank on XX/XX/XXXX saying my account was closed. I called the bank on XX/XX/XXXX XXXX asking where my money from my close d account was and I was told it was put in the mail and to wait XXXX to XXXX business days. I waited until XX/XX/XXXX and still don't have my check from. The closed account. On XX/XX/XXXX XXXX I called and asked to speak to supervisor and they have put in a request and it takes 1 to 3 business days. It is now the 4th business day and I have not heard back from any employee of the bank about my final check. I keep getting a run a round from the bank and no one can tell me where my {$6800.00} check is at. It's been over a month and I still have not received my money from the bank or a phone call from a supervisor explaining where my money is. 

Please help me get my money back from this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: NCB Management Services Inc.
State: MI

Complaint narrative:
I request debt to be verified and show documentation. I also did dispute with XXXX regarding this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC.
State: NY

Complaint narrative:
XXXX being charged from XXXX XXXX XXXXXXXX for XXXX $ on XX/XX/year>. 

Another company is charging r me XXXX $ on XX/XX/year>. I have no knowledge of this. It have authorized or consented to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: TX

Complaint narrative:
Im positive I pay on time, but I dont understand why Im being reported late for specific months. According to USC 1666b, billing errors should be corrected and reflect that I paid as agreed.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: EQUIFAX, INC.
State: NM

Complaint narrative:
In accordance with the Fair Credit Reporting act. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

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

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-31 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX

Complaint narrative:
I am a victim of XXXX, Transunion, XXXX, XXXX, Social Security Administration Data breach.There are several accounts, inquiries, incorrect addresses, incorrect SSN on my consumer credit profile that is a result from identity theft. Please delete all unauthorized accounts, inquiries, addresses, ssn, phone numbers, and collection accounts.

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Problem with personal statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
ON XX/XX/year> You responded saying i need to call to have them verify my info but ive do so several times and they say the system cannnot Generate the security questions. ive also sent those documents in as requested before to verify my identity. My address was changed my a Transunion associate over the phone after accessing my account so that person should have notated that they verified me, and took the info from me before all these issues arise. To add injury to insult im currently on hold for XXXX mins again trying to get this rectified but still system cant generate security questions This really needs to be fixed

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 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Nelnet, Inc.
State: GA

Complaint narrative:
Hello. My Nelnet loans are showing up on my credit report as unpaid but have been paid in full for over a year. Today on XX/XX/XXXX I called XXXX and requested a dispute claim. I was told that a form was submitted and the person on the phone unofficially said that the turnaround should be one month.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-10-30 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc.
State: PA

Complaint narrative:
My credit report shows several billing mistakes, with late payments that dont reflect my typical history. I request these errors be corrected and my account updated.

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 2024-10-30 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Resurgent Capital Services L.P.
State: PA

Complaint narrative:
VALIDATION AND CEASE AND DESIST XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Dear Sr/Madame : I received a debt collection email from you and would like to know if you have the correct person? Can you supply me with a contract or agreement signed with your company or the creditor? 

PURSUANT TO THE FDCPA, I WOULD LIKE THE FOLLOWING PROVIDED : THE NAME AND ADDRESS OF THE ORIGINAL AND CURRENT CREDITOR VERIFICATION OF THE DEBT AMOUNT THAT YOU ARE SEEKING TO COLLECT SHOWING THAT A CONTRACT EXISTS CREATE THE AMOUNT THAT YOU CLAIM IS OWED. 

ALL THE ASSIGNMENTS SHOWING THE DEBT TRANSFER FROM THE ORIGINAL CREDITOR TO THE CURRENT CREDITOR PLEASE PROVIDE ME WITH PROOF THE DEBT WAS SECURITIZED BY THE ORIGINAL CREDITOR PLEASE SHOW THE ASSIGNMENTS OF THE DEBT FROM THE ORIGINAL CREDITOR TO THE SECURED TRUST AND THEN BACK TO THE ORIGINAL CREDITOR PLEASE CEASE AND DESIST FROM COLLECTING ON THIS DEBT UNTIL YOU HAVE VALIDATED THE DEBT. 

Please do not look at my credit report or report anything to my credit I dispute I owe this debt amount to you and that dispute should be stated on my credit report if you have reported this debt. 



PERMISSABLE PURPOSE Please State why you have a permissible purpose to contact my credit. I dispute this and IF YOU PASS THIS ON TO ANOTHER COLLECTOR, I dispute I owe this debt to you. If you pass this on to another debt collector, please provide them with notice of my dispute owing this debt. 



Thank you for your immediate cooperation. 



XXXX XXXX

Company response to consumer: Closed with explanation