vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A.
State: MN

Complaint narrative:
To whom it may concern, on XX/XX/2023, i made a XXXX payment to city bank on my city simplicity card XXXX. 
the transaction was supposed to cover XX/XX/2023 payment. Then on XX/XX/XXXX th I called to make my payment for XXXX and was told by the computer i was past due. Then i called back to speak to the customer service. Agent. who told me my bill wasn't generated. i asked to speak to a supervisor and got a lot of double talk which made me very upset. 
Then today XX/XX/XXXX i called back and requested to talk to someone and got more. she told me i was behind and didn't make my XXXX over XXXX dollars plus XXXX past due. 
I feel City bank made a mistake with my account. I have a stellar payment history. but they are unwilling to admit to it. not to mention giving me a bad report on my credit. 
please help me with my account 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 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Prince Parker & Associates
State: IN

Complaint narrative:
Today I received an alert for a debt amount of {$410.00} to a debt collection service/attorney named Prince Parker and Associates. The original Creditor was XXXX XXXX. I have no knowledge of this Service/Agency, and I have do not have a XXXX account. I have not for a XXXX  account for a couple of years and when I did I paid everything in full. This XXXX account was fraudulently opened in my name and in turn this debt collection account is a result of it. I have the same issue with a XXXX XXXX  account which I also filed about as well so whoever has stolen my identity has opened multiple accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CCS Financial Services, Inc.
State: NY

Complaint narrative:
Credit Collection Services is harassing me about an alleged debt that I do not owe. Please be advised that Credit Collection Services has VIOLATED the FDCPA by contacting me WITHOUT my consent. Credit Collection Services must cease-and-desist ALL attempts to collect an alleged debt including communication, direct and indirect. DO NOT CONTACT ME AGAIN unless it is to furnish the forward flow agreement signed and notarized. If not, it constitutes harassment. This communication has been documented and any future attempts will result in seeking damages. See attachment example of harassment and abuse.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Westlake Services, LLC
State: KS

Complaint narrative:
The person that owe this debt is desease.

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 2023-04-19 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: MI

Complaint narrative:
I was granted an extension from XXXXXXXX XXXX for the month of XX/XX/2023 payment and the report to all credit agencies that my I was 30 days late. Its my understanding that if an extension is granted for that month you reported me for being late how could i be late if a payment was required

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 2023-04-19 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: MI

Complaint narrative:
I was granted an extension from XXXX XXXX for the month of XX/XX/2023 payment and the report to all credit agencies that my I was 30 days late. Its my understanding that if an extension is granted for that month you reported me for being late how could i be late if a payment was required

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: MI

Complaint narrative:
I was granted an extension from XXXXXXXX XXXX  for the month of XX/XX/2023 payment and the report to all credit agencies that my I was 30 days late. Its my understanding that if an extension is granted for that month you reported me for being late how could i be late if a payment was required

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 2023-04-19 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA

Complaint narrative:
XX/XX/2023 ; Ive had this card for business purchases for over 20 years, Im self employed. CapitolOne randomly closed my account without any notice. I called them when I was declined on an auto debit, which is how I found out it was closed. I spoke to XXXX people including a supervisor. Both said they have nothing in the system as to why but I would get a letter in the mail in XXXX business days. This was 19 days ago and no letter yet. Closing a long time credit card impacts my score. I feel they closed my account since they arent making money on me since I pay in full before the 30 days. I earned points so I was an expense to them. However to just randomly close my card, without notice, when I have many auto debits that come out really messed me up! I ended up going to my Credit Union and opened another card which came pretty quickly. I dont want to se this happen to anyone else so Im reaching out.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: EVERGREEN PROFESSIONAL RECOVERIES, INC.
State: WA

Complaint narrative:
This debt is in relation to medications received by a provider that I was not informed was not covered in my network, while is was in XXXX XXXX XXXX in a hospital that is covered in my network.. I submitted an appeal with my insurance and they agreed that under the no surprises act, I am not responsible for this charge and I am not to submit any payments.

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 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Improper use of your report — Received unsolicited financial product or insurance offers after opting out
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
I am writing this complaint about the Credit Bureaus overall and specifically Experian. I applied for a loan direct with a lender through their direct portal. I did NOT do any on line inquiries and when the Lender ran my credit the Bureaus sold my contact information. They didn't just sell it to a couple places but to several dozen. I have received over XXXX phone calls and emails since yesterday. I have to answer as many as possible and tell them to no longer contact me and that I am not interested. It affected my ability to work and even some from yesterday are still calling today. I work in the Finance industry and if I am at my wits end I can't even imagine how a regular borrower feels. This is not okay and something needs to be done to limit the sale of information because this is literally harassment and should be criminal. 

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 2023-04-19 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: MO

Complaint narrative:
Experian continues to violate myconsumers rights but saying they investigated my disputes when all accounts comback verified. I continue to show proof of the in accurate accounts being reported on my credit file that they say has been modified or updated and the account only stay the same but report as a new debt which continues to hurt my credit and me financially. I have asked them over the phone allso in writting but still the same results nothing so i need the CFPB to crack down on this. I have more than XXXX disputes with the CFPB about the samethings that contine to do but nevr fix nothing. I also got proof of the other credit bureaus deleting the account off credit file but Experian still contines to say they verified something when i know u have to get my permission to do anything and I have not gave any authorization to nobody.

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 2023-04-19 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: MO

Complaint narrative:
Experian continues to violate myconsumers rights but saying they investigated my disputes when all accounts comback verified. I continue to show proof of the in accurate accounts being reported on my credit file that they say has been modified or updated and the account only stay the same but report as a new debt which continues to hurt my credit and me financially. I have asked them over the phone allso in writting but still the same results nothing so i need the CFPB to crack down on this. I have more than XXXX disputes with the CFPB about the samethings that contine to do but nevr fix nothing. I also got proof of the other credit bureaus deleting the account off credit file but Experian still contines to say they verified something when i know u have to get my permission to do anything and I have not gave any authorization to nobody.

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 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US Bank has denied several claims I've made in an attempt to retrieve funds from an UNAUTHORIZED XXXX transfer to a person I do not know and for an amount far above what I can afford to lose ( more than a month 's rent ). On XX/XX/2023 I was emailed about a {$2000.00} XXXX transfer to a XXXX XXXX. I do not know this person, nor would I ever send this large a sum of money via online transfers ( XXXX, XXXX, etc. ). I've since spent countless hours on the phone with US Bank 's fraud liaison center as well as in person at a local branch. At the advice of the fraud center, I closed the original accounts and opened up a new one as I was told they had been compromised. When I was notified of the first denied claim, I was told a police report may serve as new evidence to help me retrieve the stolen funds. They once again denied the claim, calling it a duplicate without spending any additional time to review new details. After my most recent conversation with the fraud center, I was told that no one was willing to tell me the truth within US Bank and that fraudulent XXXX claims are rarely successful. I was told there is no one else I can reach out to and nothing else I can do. For the price of a stolen {$2000.00}, I've achieved nothing but wasted time over the course of several weeks. Why are there no protections against XXXX fraud if every bank is constantly advertising for them? Why is there no way to get ahold of a XXXX representative about fraud claims? Neither entities want to take responsibility for what is obviously an unsafe platform very easily susceptible to theft. Even for cases where it's just a mistake, how is it possible the transactions can not be reversed? There should be insurance for these types of scenarios to avoid leaving customers hanging out to dry.

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 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
I mailed a check to my granddaughter from Florida to Georgia. The check was stolen and the name, date and amount were changed. It is very obvious to anyone that the check was altered but someone walked into a Wells Fargo branch and was told the amount of money in the account and cashed a check for {$7000.00} to completely wipe out my account.. Another check hit the bank the same day so the account became overdrawn. I was sent a notice from Wells Fargo that my account was overdrawn. I immediately checked the account and saw a check for {$7000.00} had been cashed. I went to the bank branch in XXXX XXXX XXXX and was told they could not help me. I had to do everything by phone. I stayed in the bank and made the phone call. My current account was closed and a new account was opened. But I had no money or checks to pay my bills. I have made approximately 10 phone calls to Wells Fargo since XX/XX/XXXX and have accomplished nothing except a runaround and lies. I contacted the XXXX Police Department and our local sheriff 's fraud department and filed a complaint. I contacted all of the credit bureaus and froze the accounts. I have not yet been able to speak to anyone that spoke good english and could give me any good information. Wells Fargo personnel constantly change the rules and things I am supposed to do. I was told it would take 2 to 5 business days to get my money replaced. When that didn't happen I was told 10 to 12 business days, then 12 to 14 days. Now that 14 days have passed an agent told me they were mailing me an affidavit ( supposedly mailed XX/XX/XXXX but I have not received it ). I am to complete the affidavit and mail it back to them, then they will start their investigation. The agent also told me they tried to call me on XX/XX/XXXX but I have no record of any call. I did receive a letter from Wells Fargo on XX/XX/XXXX, dated XX/XX/XXXX stating they would help me and to call a number. When I called the number the person said I needed the 8 digit code that was in the letter. I have had several people look at the letter and there is no 8 digit code. I asked them to send a text to my phone and I would reply but they said they couldn't do that. I was informed that without the XXXX digit code nothing could be done to help me. I am totally mentally exhausted from this frustration. Everytime I get to talk to someone after pushing many buttons on the phone they say it is not their department and the department that I need does not accept phone calls or emails. This is a nightmare. I am XXXX XXXX XXXX and a widow. My social security and my husband 's federal pension have been stolen. Please help me.

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 2023-04-19 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: PR

Complaint narrative:
I'm retired and I haven't been using credit for a long time due to personal reasons. Due to that, my credit score was relatively low. Because I want to buy a house, I embarked on an approach to improve my credit score and applied for some credit cards and used them for that purpose to improve my credit score. To my satisfaction, after around 2 years, my credit score slowly started to improve to the point that reflected punctuation above 700 points, which made me very happy. Around XX/XX/XXXX, I made an XXXX serving company change from XXXX, XXXX XXXX to XXXX. XXXX alerted me to expect problems with the account because XXXX gets upset and uses to give them problems with the data that they transfer. In XX/XX/XXXX, XXXX updated an account dated XX/XX/XXXX for {$23.00}, which they had never told me about. Also, reported a balance of {$190.00} on XX/XX/XXXX, which they never had told me about before, either. 
Evidently, XXXX submitted those accounts with the evil intention to hurt my credit. TransUnion, without verifying, published the accounts and reduced my score by 90 points.

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 2023-04-19 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: GA

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. 

Account Name XXXX XXXX XXXX Account Number : XXXX Account Name : XXXX XXXX XXXX Account Number : XXXX has violated my rights. Or a list of inquiries : 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 an 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 or 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 2023-04-19 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:
I have filed a dispute with this company even filed my identity theft report fringe FTC and they still will not delete the fraudulent inquiries even after creditor notified them to do also they totally ignored everybody request. This was as recent as XX/XX/XXXX I believe I've even wrote too the attorney general 's office but still no help

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
See the attached documents. I want the bureau to start the investigation on these accounts that I am never late for but they're reporting me as late.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-19 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: GA

Complaint narrative:
They're reporting me as late even when I'm not. So please carefully and thoroughly look at the attached documents to understand everything.

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 2023-04-19 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: CITIBANK, N.A.
State: MI

Complaint narrative:
I have been a Citibank credit card holder for over 32 years and due to the latest bank crises in California I decided to open a checking account with Citibank to distribute my funds. I opened the account online and transferred {$9000.00} to the newly opened account using my bank account with XXXX XXXX that, by the way, has been on my Citibank credit card file for 32 years, it is the account that I use for autopay my Citibank credit card. shortly after, they cancelled the newly opened checking account and refused to refund the money stating that it may take 2 months to issue a refund for " security reasons ''.

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 2023-04-19 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: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
i have contested the late payment on my account. yet they remain and have not been adjusted after the 30-day period.also, all the incorrect addresses link to my credit profile are 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 explanation