vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
On ( XX/XX/2022 ) I sent a letter regarding inaccurate accounts, bankruptcies and unknown things on my credit report. To this day over 60 days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report. It has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the XXXXXXXX XXXX  breach and may have got into the hands of the wrong person.

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 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: Consumer Adjustment Company Incorporated
State: TX

Complaint narrative:
I have sent a validation of debt to the collection company XXXX XXXX XXXX based out of XXXX XXXX Missouri with no success. I have attached the validation of debt letter that was mailed out to them in XXXX. I have also attached the return receipt where I mailed it off Certified mail and they failed to sign that they received letter. but how could they sign for it if they are a " closed company. '' I have googled the address and information that is on my credit report about this company and it says they are permanently closed I attached a photo of this as well. I am requesting full validation of debt because I know I dont owe this company anything. The debts they are trying to collect are from debts that my insurance company has already paid. This company has a track record of trying to collect on debt that is not owed. This is causing me alot of stress trying to get these 2 accounts off my credit reports. These accounts are causing me so much harm, I could possibly lose my job for accounts that should not be on my credit reports and its affecting me daily. XXXX XXXX The account numbers for both accounts are Account # XXXX one for the balance of {$560.00} and the other for {$480.00}. I am requesting these inaccurate accounts to be removed from my credit report Immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Fraud or scam — 
Company: Coinbase, Inc.
State: WA

Complaint narrative:
Commencing on or about XX/XX/2021, I fell victim to a multilayered scam operation orchestrated by the company XXXX ( the XXXX ). The total amount of XXXX USD was transferred from my wallet utilizing their services.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Funds not handled or disbursed as instructed
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
Dear officers in charge of this matter : I am here to report a potential fraud committed by CITI Bank by luring people to open account for bonus then decline what they have been offering. 

What happened with CITI : 1. I saw their sign-up bonus offers on their website, quote : Open a new checking account in an eligible account package from XX/XX/XXXX through XX/XX/XXXX and earn a cash bonus of up to {$2000.00} after completing required activities. Simply deposit qualifying funds within 20 days of account opening and maintain your balance for an additional 60 days from the XXXX day to unlock your bonus. 
2. I deposited {$300000.00} ( $ XXXX on XX/XX/XXXX and $ XXXX on XX/XX/XXXX ) and kept the money there until now aiming to get that {$2000.00} bonus in XXXX XXXX. 
3. XX/XX/XXXX, their customer service declined my bonus even though I followed exactly what they required in their terms and conditions on their website. ( see details from their website : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ) Communications with CITI Bank Customer Service : 1 XXXX First week of XX/XX/XXXX, confirmed with their online-chat representative that I was successfully enrolled to earn the bonus. I thought I could rest assured until XXXX payday. 
2. XX/XX/XXXX, called 2 different customer support regarding the bonus payday and both said I was not enrolled. Same day, I also chatted with 2 online representatives and they kicked me around and said there is nothing they can help. 
3. Their customer supports people are not based in United States and they DO NOT even know this bonus offer is still on their website!! They kept asking me to provide an Email invitation code to get the bonus but the offer on website stated very clearly that all I needed to do was to APPLY online! 
4. Citi customer support said I will receive an email about this dispute yet NO email was sent at all! 

For now, I need to get a confirmation email from Citi Bank and confirm which day I would be paid that {$2000.00} bonus for keeping {$300000.00} for so long. 


Thank you!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT BY A WOMAN I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HER STAY WITH ME FOR 5 MONTHS. I FOUND OUT THAT SHE HAS DONE THIS TO ALOT OF GUYS LOCALLY AND WILL GIVE ALL OF THE GUYS SHE'S TALKING TO INFORMATION TO HER ACTUAL BOYFRIEND AND THEY'LL SCAM PEOPLE. I NEVER REALLY USE MY CREDIT MUCH BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKE WITHIN THE NEXT 3 DAYS. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: IA

Complaint narrative:
I AM A VICTIM OF IDENTITY THEFT BY A WOMAN I WAS DATING. I SHOULD'VE KNOWN HE WAS NO GOOD WHEN HE SO EASY TO STOP TALKING TO ME AFTER I LET HER STAY WITH ME FOR 5 MONTHS. I FOUND OUT THAT SHE HAS DONE THIS TO ALOT OF GUYS LOCALLY AND WILL GIVE ALL OF THE GUYS SHE'S TALKING TO INFORMATION TO HER ACTUAL BOYFRIEND AND THEY'LL SCAM PEOPLE. I NEVER REALLY USE MY CREDIT MUCH BUT I TOOK A LOOK AT MY CREDIT REPORT AND NOTICED THERE IS SOME FRAUDULENT INFORMATION ON MY FILE THAT NEEDS TO BE BLOCKE WITHIN THE NEXT 3 DAYS. 

FRAUDULENT ACCOUNTS : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: CA

Complaint narrative:
There is information on my consumer report that is result of identity theft. I did not provide written permission for the identified transactions on my report. I am requesting that is information be blocked and deleted. My request to block and delete is not being made in error, nor is my request being made on the bases of a material misrepresentation of the fact by me relevant to the request to block the identified transactions. The identified transactions are not information related to any transactions made by me as the consumer.

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 2022-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: U.S. Auto Sales Inc.
State: GA

Complaint narrative:
This Rescission notice is made Pursuant to 15 U.S. Code 1635 ( a ) as I was never told I had 3 days to rescind the agreement nor was I given the notices that come along with all consumer credit transactions ; Furthermore, you US AUTO SALES failed to clearly & conspicuously disclose my right to rescind I, XXXX XXXX, participated in a consumer credit transaction and not a loan Pursuant to 15 U.S. CODE 1602 ( i ) : Take further notice that Pursuant to 15 U.S. Code 1605 the finance charge in connection with any consumer credit transaction shall be determined as the sum of all charges which were never disclosed to me by your organization in direct violation of this law ; US AUTO SALES also accepted a CASH down payment of {$5000.00} violating 15 U.S. Code 1605 which clearly says that the finance charge does not include charges of a type payable in a comparable cash transaction Pursuant to 15 U.S. Code 1611 ( 1 ) ( 3 ) you can be fined up to {$5000.00} for giving false, inaccurate information and fails to provide information which he is required to disclose and in this case you US AUTO SALES willfully did when you failed to disclose and provide all information clearly to me as a consumer ; Notice that Pursuant to 15 U.S. Code 1635 ( b ) upon receipt of this rescission I am not liable for any finance charge, security interest, etc. becomes void effective immediately. Take further notice that 20 days after your receipt of this notice you have to return any money or property given and also terminate and reflect that termination of the security interest placed on the property which in this case is a XXXX XXXX  VIN # XXXX. Your failure to comply with this rescission will result in civil liability for fraud Pursuant to 15 U.S. Code 1640 A coupon was sent to US AUTO SALES for the full amount of debt. US AUTO SALES kept the coupon and is still charging me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA

Complaint narrative:
Company was never authorized to share personal credit reports with 2nd, 3rd or any parties not authorized by me myself or identity holder which is my according to credit reporting law, i would need your help and getting them to remove all this XXXX information on my credit report please

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit card or prepaid card — Store credit card
Issue: Fees or interest — Unexpected increase in interest rate
Company: WELLS FARGO & COMPANY
State: PA

Complaint narrative:
my original loan amount was for about XXXX, that was a year ago. I called the bank today to see if I could have that 'accumulated ' amount reduced or eliminated. I was advised that it was not possible. This started out as a relatively small loan for an engagement ring for my fianc, and I was making regular payments for the life of the load up until now. I called on XXXX occasions and spoke to XXXX different representatives and I was advised that there were no options. I used to hold a regular credit card with Wells Fargo but I paid that off and closed the account because I do not care for their business practices. But for this particular purchase the vendor only used Wells Fargo for purchases of this kind. I would like to launch a formal complaint, in pursuit of a resolution regarding the XXXX interest charges. I am willing to pay off the original balance in full but I refuse to pay the interest on this this item as I believe is unethical and mounts to modern day usury. Please let me know if you have any further questions. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Debt collection — Other debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Aldous & Associates, PLLC
State: CO

Complaint narrative:
I had two XXXX XXXX  accounts, I called XXXX in XXXX of XXXX to cancel after months of issues with the company and updating credit card information with XXXX XXXX, XXXX XXXX and XXXX, all employees of XXXX XXXX. Both accounts continued to have separate problems which the company was negligent in solving after several attempts. Upon initiation of canceling accounts in XX/XX/XXXX, XXXX only allowed me to cancel one account. They sent the other account to collections. XX/XX/XXXX my teen daughter received emails from XXXX XXXX XXXX stating she owed {$100.00} for the XXXX Account. I contacted the firm, requesting more information, a breakdown of charges and months. I was informed I needed to request in writing. XX/XX/XXXX I sent a letter with request for a detailed formal charges for the account. This letter was sent through the post office via confirmed mail. Tracking # XXXX. The only information was the email my daughter provided with a button that you could click on to pay. the firm had not contacted the adult either by mail or phone. XX/XX/XXXX I followed up with a call to XXXX XXXX XXXX as I still had not received any communication from them. The associate states, " you did not update your address, and you sent the mail back to us. '' this is inaccurate information, on the first call to them in XX/XX/XXXX, I verified my contact information, due to not receiving any communication from the which they stated they had attempted calling, I also sent my address in the requested letter and on the envelope. As of XX/XX/XXXX, I have not received by Colorado Law lawful account information of detailed charges being requested, even after following the correct policies requested by the company. This appears as deceptive practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: AL

Complaint narrative:
HI I AM SUBMITTING THIS WITHOUT ANY INFLUENCE AND THIS IS NOT A THIRD PARTY. THE CREDIT BUREAUS STATED MY ACC WAS PROPERLY INVESTIGATED BUT HOW IS THAT POSSIBLE IF THE OPEN DATE IS INACCURATE, THE DATE LAST ACTIVE IS INACCURATE, AND THE DATE LAST REPORTED IS NOT ACCURATE? THIS GROUND FOR REMOVAL, THEY ALSO VIOLATED MY RIGHTS UNDER 15 U.S.C 1681 SECTION 602 A. STATES I HAVE THE RIGHT TO PRIVACY.

15 U.S.C 1681 SECTION 604 SECTION 2. IT ALSO STATES A CONSUMER REPORTING AGENCY CAN NOT FURNISH AN ACCOUNT WITHOUT MY WRITTEN INSTRUCTIONS.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Creditors Bureau Associates
State: GA

Complaint narrative:
Date : XX/XX/21, XXXX XXXX, I have sent disputes to this company XXXX times, and they are still holding inaccurate information on my reports. 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 1692C Without the prior consent if the consumer given directly to the debt collector or the express permission of a court of competent jurisdiction, a debt collector may not communicate with a consumer in connection with the collection of any debt 15 U.S. Code 1692g ( B ) Disputed debts If the consumer notifies the debt collector in writing within the XXXX period described in subsection ( a ) that the debt, or any portion thereof, is disputed, or that the consumer requests the name and address of the original creditor, the debt collector shall cease collection of the debt, or any disputed portion thereof, until the debt collector obtains verification of the debt or a copy of a judgment, or the name and address of the original creditor, and a copy of such verification or judgment, or name and address of the original creditor, is mailed to the consumer by the debt collector. Collection activities and communications that do not otherwise violate this subchapter may continue during the XXXX period referred to in subsection ( a ) unless the consumer has notified the debt collector in writing that the debt, or any portion of the debt, is disputed or that the consumer requests the name and address of the original creditor. Any collection activities and communication during the XXXX period may not overshadow or be inconsistent with the disclosure of the consumers right to dispute the debt or request the name and address of the original creditor. 15 U.S. Code 1692b ( 2 ) not state that such consumer owes any debt. 

Please accept this final written OFFER OF SETTLEMENT BEFORE LITIGATION as my attempt to amicably resolve your continued violation of the Fair Credit Reporting Act regarding your refusal to delete UNVERIFIED information from my consumer file. You sent me a copy of a bill you had no HIPPA RELEASE ATTACHED! I will use this in court.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Closing an account — Funds not received from closed account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: FL

Complaint narrative:
Good afternoon, I am the owner of the company XXXX XXXX XXXX, incorporated in the State of Florida on XX/XX/XXXX. 
He had a checking account at Bank of America, which was closed due to his unilateral decision and notified to the company by communication dated XX/XX/XXXX, reference case # XXXX. 
In the communication they do not indicate the cause, motive or reason that produced the decision to close the account, but they do inform that " if your account has a balance after closing, we will send you a check in the name of the account holder ''. and send it by mail to the address that we have registered '', so that at the time of closing the account the balance was {$65000.00}, an amount that after more than 1 year and 10 months has not been returned to me, even though I have carried out multiple procedures before the Bank 's Customer Service and Risk Departments, all of which were unsuccessful. 
The Bank has withheld the company 's funds improperly and indefinitely without even giving a formal explanation beyond that the account is " under investigation '', which is the response given by the Bank 's representatives who have answered me by telephone. 
The retention of funds for more than 22 months has caused damage to the business of the company by being prevented from fulfilling its commitments to pay and purchase merchandise.

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 2022-12-20 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: OneMain Finance Corporation
State: FL

Complaint narrative:
One main financial call me back to back even though I have talk to numerous representative stating the same thing. I have a claim that has been approved and the pay my car payments monthly. If they are a day late one main calls me saying my account is deliquent. They claim its their job and they have to call you everyday until its pay. This is constant mentally draining and is harrassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: HUNTINGTON NATIONAL BANK, THE
State: FL

Complaint narrative:
Case # XXXX was erroneously closed. This case is not resolved, as I am still waiting for disbursement of funds from Huntington Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Payday loan, title loan, or personal loan — Personal line of credit
Issue: Struggling to pay your loan — 
Company: Paramount GR Holdings, LLC
State: TX

Complaint narrative:
Financed solar panels and extra $ to reroof and XXXX, after panels were installed XXXXXXXX XXXX XXXX  XXXX tx kept the remaining money and have not done any other work thats specified on the contract. Goodleap ( lender ) is not assisting in getting contractor to respond or complete work or cut check so I can complete the work myself with another contractor.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-20 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MD

Complaint narrative:
USAA allowed XXXX to contine to submit a request for payment an excessive amount of times and even XXXX XXXX XXXX XXXX XXXX, inwhichn i incurred an overdraft fee of XXXX x XXXX. Occuring a charge of XXXX. This is excessive and unnecessary and I would like to have this refunded to me. As a ruslut, I have closed my account with USAA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation