vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CITIBANK, N.A.
State: CT

Complaint narrative:
On XX/XX/XXXX, XXXX, XXXX XXXX XXXXXXXX contacted my brother and left a voicemail instructing him to forward the voicemail with urgency since it was a second attempt to contact me regarding a mitigation. I have had the same phone number since XXXX, and I have no missed calls from this office. My brother forwarded the voicemail, and I was alarmed, as the voicemail contained a reference number and a threat to proceed without my participation if they did not receive a response from me that day. I called XXXX. The receptionist matched my reference number and informed me that a case manager at extension XXXX hd been assigned to my case. The case manager informed me that their client contacted me about breach of contract regarding a loan with Citibank serviced in XXXX. I was given an opportunity to voluntarily resolve the matter by paying approximately $ XXXX. If I didnt wish to pay that amount, the client had the right to pursue over {$29000.00}. I went from alarmed to upset, as the case manager had somehow obtained my full social security number and birthdate, and indicated to me that written notices were sent to me at an address I havent lived at for over 16 years, and also to my current address. I did not verbally confirm either address with the case manager, but I noted that I had received no such notification. I am on high alert now, as Ive never had a loan with Citibank. I have had store credit cards issued by Citibank ( all paid as agreed and closed for years ), with limits well below the amount that this client of XXXX XXXX XXXX XXXX  was attempting to collect. I believe that if my identity was not already compromised to originate this loan, it now certainly is.

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 2022-08-09 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

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. 

XXXX XXXX XXXX with account number XXXX has violated my rights : 15 U.S.C 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. 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 1681 section 602 A. States I have the right to privacy. Also you will see that there inaccurate payments listed on the XXXX XXXX  XXXX  account. On my XXXX credit report for the year of 2020 it shows XXXX  as current, XXXX as not current, and XXXX as not current. But on my other reports it shows the exact opposite. On my XXXX credit report it shows XXXX of 2020 as current, XXXX as N/A, XXXX as current and XXXX as current. These are just a few that you'll see. Also for the year 2020 it shows XXXX as late on my XXXX  report but on XXXX it shows current.

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 2022-08-09 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
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. 

XXXX XXXX XXXX  with account number XXXX has violated my rights : 15 U.S.C 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. 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 1681 section 602 A. States I have the right to privacy. Also you will see that there inaccurate payments listed on the XXXXXXXX XXXX  XXXX  account. On my equifax credit report for the year of 2020 it shows XXXX as current, XXXX as not current, and XXXX as not current. But on my other reports it shows the exact opposite. On my XXXX credit report it shows XXXX of 2020 as current, XXXX as XXXX, XXXX as current and XXXX as current. These are just a few that you'll see. Also for the year 2020 it shows XXXX as late on my XXXX report but on Equifax it shows current.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Fee problem
Company: TRUIST FINANCIAL CORPORATION
State: WV

Complaint narrative:
Hello, this bank is always charging for overdrafts that never actually happen and I am tired of fighting them over it. On XX/XX/2022 my posted balance at the end of the day was {$340.00} yet I was charged 2 overdraft fees that day. I messaged online to request a refund of the fraudulent fees and was told they would open a ticket and someone would get back to me. I still have never heard back from the bank. My escalation number is XXXX. Please also note that I am opted out of overdraft coverage service and have been for the life of my account. This is not the first time this has happened to me and I have also read multiple complaints of this happening to other customers as well. I know that by bank regulation they can not charge me an overdraft fee for transactions that have not actually posted to my account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Payday loan debt
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Finmax Smart Capital LLC
State: TX

Complaint narrative:
My ex mother in law received a message by phone on XX/XX/2022 then soon after a phone call they told her everything about my debt and that they were trying to get should of me after my ex mothers in law called me I called them and asked why they were giving my personal information to people including my debt amounts its XXXX something she said they are trying to collect so I told them I had to make a few phone calls and see what I can do to try to pay so again the next day my ex father in law receives a call XX/XX/2022 and they told him everything too so idk if that is permitted or not

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: PA

Complaint narrative:
Equifax is in violation of 15 U.S.C 1681 ( a ) ( 2 ) I consumer never gave Equifax written consent to report anything on my consumer report. I am one of the millions of consumers that have been affected Equifax inaccurate credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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 XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: CA

Complaint narrative:
I XXXX XXXX recently gained a copy of my credit report and noticed inaccurate and unfair accounts that are hurting my general reputation as a consumer. I demand these bureaus to delete said accounts and I am seeing monetary remedy and deletion for the anguish and pain it has caused me in my life. These accounts are hindering me from moving forward in my field of work and also from obtaining mortgage loans amongst many other things. Please help resolve this matter because it is illegal to report these accounts without my written signature. 

I DEMAND THESE COMPANIES TO REMOVE THE ACCOUNTS IMMEDIATELY!!!

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 2022-08-09 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: Experian Information Solutions Inc.
State: CA

Complaint narrative:
FCRA section 609 letter sent to bureau and Experian did not provide actual documentation as requested. Bureau simply asked a creditor if a debt is owed. Actual contracts and documentation needs to be provided or this must be deleted. Investigation not completed and insufficient. 

This is for 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 2022-08-09 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Can't close your account
Company: Avant Holding Company, Inc.
State: MD

Complaint narrative:
On XX/XX/XXXX I called Avant Customer Service spoke with XXXX XXXX she stated that she worked for a 3rd party company on behalf of Avant ) to report fraudulent charges and request that my account be closed. I stated " I do not want new card ''. 

Emails sent to Avant customer service XX/XX/XXXX at XXXX, XXXX, XXXX and XXXX all requesting that fraud charges be looked into. I had also called several times throughout the day and hold times are ridiculous. 

I logged into my account on XX/XX/XXXX, on my dashboard it stated that I had applied for a credit card on XXXX and XXXX. I called customer service and spoke to XXXX. He would not provide an ID # or anything else except his first name. I was very clear in the fact that I DID NOT apply for any credit cards with Avant. he stated that I must have clicked on something on the website! Are you kidding me??!! I did not and was clear that someone was doing this with my information. My account was not closed as requested on XX/XX/XXXX. i requested the account be closed due to fraud. XXXX would NOT close my account. 
This account was paid in full months ago and I do not use this card. The dashboard also states that i should activate my new card. I have never received a new and do not want one. 

Avant is egregious in its business practices, does not provide the consumer with mandatory information ( no letter or any type of communication was received that a fraud investigation was completed on my account ) and refuses to close accounts upon consumer request. As well, I have requested XXXX be removed from my account as my balance was XXXX months ago when I paid it off. 

This company is disgusting at best! I want my account closed, the XXXX removed off the balance and they need to be investigated. Complaints have been filed with several bureaus

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: IL

Complaint narrative:
Hi I am submitting this XXXX XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX  more than 21 times. XXXX  is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX  n cant provide to my XXXX  year old daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
INQUIRIES ( stolen identity ) XXXX XXXX XXXX made a Bank / Credit Card Inquiry by checking your XXXX  Credit File. 
Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 Contacted XXXX XXXX on XX/XX/XXXX to dispute application and advise of fraudulent activity. 

XXXX XXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your XXXX Credit File Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 XXXX XXXX XXXX made a Bank / Credit Card Inquiry by checking your XXXX Credit File. 
Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 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: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX

Complaint narrative:
INQUIRIES ( stolen identity ) XXXX XXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your XXXX  Credit File. 
Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 Contacted XXXX XXXX on XX/XX/XXXX to dispute application and advise of fraudulent activity. 

XXXX XXXX XXXX made a Bank XXXX Credit Card Inquiry by checking your XXXX Credit File Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/2022 USAA SAVINGS BANK made a Bank XXXX Credit Card Inquiry by checking your XXXX Credit File. 
Impersonator fraudulently Requested credit on following dates : XX/XX/2022, XX/XX/202XXXX XXXX

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-09 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Can't close your account
Company: JPMORGAN CHASE & CO.
State: TX

Complaint narrative:
Chase refused to provide me my money in my account after I tried to withdraw {$2200.00}. I tried 3 different branches and they still refused because I didnt have my Debit Card and my ID which I lost. However, I provided them with my passport which had my maiden name but also provided the marriage certificate stating that change. I also provided my social security number and they still refused to withdraw because I didnt have their Debit Card as proof of identity. I provided legal documents. They will not allow me to withdraw any money or transact in anyway. Why can they do this?? I also had issues with this account before not allowing wire transfers, etc. horrible experience.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Credit Solutions, LLC (KY)
State: NC

Complaint narrative:
XXXX XXXX XXXXXXXX To hear a video about this complaint, please use the XXXX link provided above. 
On or about XX/XX/2022 ( Date may not be actually correct ) I spoke with a Rep from Credit Solutions of XXXX, KY. At that time I told them that I would begin making payments on my XXXX  XXXX XXXX bill in a matter of days, but I failed to do that and was only a very short period of time late when I learned from my bank that Credit Solutions had taken XXXX out of my bank account without my permission. If I was going to allow such I would not have stated that I would pay them on a certain day. I have no idea how this company got my bank account info as I NEVER give such out. On the telephone, I was told by a Rep that I had given them the right by video to take money out of my account and this is TOTALLY incorrect! I was told by the Rep that she would play the video for me to hear myself giving the permission which I knew she could not present as there would no such tape recording. She even asked me " How did we get the bank account number if you did not give it to us ''? I replied " I have no idea HOW you got it, all I know is that I did not give it to you, thus you did something wrong to get it somehow ''. When she returned to the phone she had no tape recording to play but as I kept asking for her to play that of which she claimed she had possession of but as an argument continued she finally bowed out not having a tape to play at all. Days after this I learned that the bank had replaced the money, informing me that they had put the money back in the account while the investigation continued. Today, XX/XX/2022, I spoke with a Rep. from Credit Solutions who told me that in order for them to take money out of a bank account, there would be a series of things that had to be done and I would have had to give permission. I kept asking how where they able to get my account numbers without me giving them to them and without giving ANY permission at all and she would not explain. She informed me that it was Credit Solutions that had put the money back into my account but prior to this the bank informed me that it was the bank that had put the money back into my account. If I had given permission for it to be taken out then they would not have replaced it because they would have had the permission to have taken it. It sounds to me like an inside job with the bank but then again, I have no idea how Credit Solutions even knew who I banked with. I would like an investigation also to know what steps they took to receive access to my bank. I do have the copies of documents in regards to this complaint but they are not in my possession at this time. I would love the opportunity to send them later, please.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 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: MS

Complaint narrative:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. XXXX has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719XXXX has me at a score around 590. That is a huge difference. XXXX paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with XXXX  i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with XXXX. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact XXXX more than 21 times. XXXX is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX year old daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-09 00:00:00
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Selene Holdings LLC
State: NJ

Complaint narrative:
This complaint is about Selene Finance LP. This Debt collection agency will not send me requested copy of the original loan contract ( not promissory note ) with pertinent information needed to validate an alleged debt of my deceased mother. I am the Executor and Inheritor of her estate ( granted this information by law ) and have requested XXXX times from XX/XX/2022 to present for this document. It is now XX/XX/2022, and I have received a intent to foreclose on my inherited home without validation of the debt or options given for modification. On XX/XX/XXXX Selene Finance Fraudulently has submitted notice of intent to foreclose family home of XXXX years in my name ( inheritor ) with a new mortgage lender.

Company response to consumer: Closed with explanation