vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-11-13 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Fees or interest — Problem with fees
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
I have a Citi card with a 0 % balance due to a balance transfer. On XX/XX/year> I used this card because of a merchant offer by this company. It was used at XXXX XXXX XXXX XXXX in the amount of {$22.00}. My billing cycle ended on XXXX for this particular purchase. This new billing cycle showed an interest fee of XXXX but there was no outstanding balance in the previous cycle for there to be a fee. In contacting customer service they explained that if an outstanding balance was not paid in full by the due date a fee would ensue. I understand that but there was no balance that carried over that wasnt part of the interest fee transfer. There should not have been a fee. They continues to reiterate this but still didnt see how there was no balance that carried over but in fact a new balance in the new cycle that if not paid in full by XXXX the new due date would incur a fee. I completely understand that but the fee was charged ahead of time. I didnt get any understanding from the XXXX different agents I communicated with. 

So to summarize my statement balance for my XXXX bill was only interest free. XXXX XX/XX/XXXX. 
New bill due XX/XX/XXXX shows not only the charge I did use but a fee for said charge before it actually was meant to be charged a fee.

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 2024-11-13 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: MI

Complaint narrative:
I am writing to dispute the inaccurate payment history and payment status reported on my account. According to my records, I have consistently made payments as agreed, yet my credit report reflects a history of missed or late payments and an inaccurate status indicating delinquency. This information is incorrect and does not accurately reflect my account history, which is fully compliant with payment terms. Under the Fair Credit Reporting Act ( FCRA ) 1681e ( b ), credit reporting agencies are required to ensure maximum accuracy in reporting. I am requesting an immediate investigation and correction of my payment history and payment status to accurately reflect my timely 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 non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
I am writing to file a complaint against Experian for failing to conduct a reasonable investigation into inaccurate items on my credit report. On XX/XX/year>, I mailed a dispute letter to Experian via XXXX certified mail tracking # XXXX. In this letter, I requested an investigation into several inaccurate items on my credit report and also disputed incorrect personal information listed on my credit report. 
To facilitate the verification process, I included copies of my photo ID, social security card, and a recent bill with my current address. 
I received a response from Experian dated XX/XX/year> stating the following : " We received a recent request regarding your credit information that does not appear to have been sent directly by you or to be authorized by you. As a precautionary measure, we have not taken any action on your alleged request. '' According to the Fair Credit Reporting Act ( FCRA ), credit bureaus are required to conduct a reasonable reinvestigation when a consumer disputes the completeness or accuracy of any information in their file. By failing to investigate my dispute, Experian appears to have violated my consumer rights under the FCRA.

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 2024-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: CL Holdings LLC
State: SC

Complaint narrative:
I am writing in reference to the debt you are attempting to collect from me, identified by account number I am exercising my rights under 15 U.S.C. 1692c of the Fair Debt Collection Practices Act ( FDCPA ), which states that a consumer may request that a debt collector cease communication. I hereby request that you cease all further communications with me regarding this debt. 

Please take note of the following : 1. I am requesting that you immediately stop all communications with me regarding this matter, including phone calls, letters, and any other means of contact.

2. You may only contact me under the following circumstances as permitted by law : To inform me that you are ceasing efforts to collect the debt.

To notify me of specific actions that are being taken in relation to the debt, such as filing a lawsuit, if applicable. 
3. If you choose to ignore this request and continue contacting me, I will consider it a violation of the FDCPA, and I will pursue all available legal remedies, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and the Federal Trade Commission ( FTC ), as well as seeking other legal action.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: NC

Complaint narrative:
I am a victim of XXXX. The information listed below, which appears on my credit report, is the result of that XXXX. 
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 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 non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Telecommunications debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Amsher Collection Services, Inc.
State: CA

Complaint narrative:
I closed my account with XXXX a year ago. since my phone was nearing the end of the lease, i negotiated that i return the phones and i will be mailed the last bill which was suppose to be around {$250.00}. 

i was never mailed the last bill, i attempted to log on the account so i can pay for it but my login was already closed only within 20 days of going to another company. 

I was immediately sent to a collections agency, which i disputed because the amount was higher than i owed and upon reading the details. they added the phone charge which i returned. I was upset with XXXX XXXX about this and i attemted to dispute directly with them. In my displeasure with multiple agents. i recorded our communicaiton with the agent which confirmed my every attempts to settle. But i was notified that there is no longer anythig they can do as its been sent to collections. 

I first dealt with a separate collector which agreed that i do no owe that amount and immediately sent the collections back to XXXX. 

It was then sent to another collections. XXXX XXXX XXXX, who i made an agreement with since the payoff amount was close to what i believed i owed with the agreement that they will not hurt my credit. 

They immediately sent a revised bill ( attached ) in XX/XX/year> with the amount now doubled at {$530.00}. even at my displeasure with this terrible tactic i decided to settle with them by giving them my credit card number over the phone to charge just so they can go away. months later i called them because i realized that they did not charge my card and was told that that the debt is no longer in their system. 

Forward to now, i got a credit alert that something negative is on my file. which is another company Name AMSHER COLLECTION SERV Address XXXX XXXX XXXXXXXX Phone number ( XXXX ) XXXX bill is for XXXX now at {$920.00}. 
i feel that these companies are bullying me and hurting my credit. 
I tried to call his company but their phone systems doesnt even work right ( video attached )

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Rental debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: TRANSWORLD SYSTEMS INC
State: TX

Complaint narrative:
Submitted an inquiry for the validation of debt on XX/XX/year>. The information I requested was never provided to me. ( See attached letter that was sent. ) Transworld Systems INC has violated FDCPA 1006.34. I was not provided with the last payment date info, transaction dte that gave rise to the debt or the judgement date, there is incorrect name for the consumer, and the date for end of validation was not included. 

What was provided to me was a state of deposit on account from the XXXX XXXX XXXX ( see attached ) and the name and address does not belong to me. 

Correct spelling of my name : XXXX XXXX XXXX Document Submitted and attached : XXXX According to FDCPA 1006.34 ( C ) ( 2 ) ( ii ) The consumers name and mailing address must be correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-11-13 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: Experian Information Solutions Inc.
State: IA

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 explanation
Consumer complaint received 2024-11-13 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — Fees or costs during the application process
Company: LAKEVIEW LOAN SERVICING, LLC
State: NC

Complaint narrative:
I have had multiple issues with this company after being sent to them through a refinance. I had been paying XXXX since the refinance in XXXX of XXXX as was agreed to on as part of the refinance. They had apparently given the wrong escrow amount without informing me and so on XX/XX/XXXX, I was informed that my payment was being raised to XXXX due to a shortage. 

I am going through another refinance to lower the cost again as rates have gone down and have run into a new issue with the company. I started the refinance process in XXXX of 2024 and had all of the paper signed by the end of the month. I had frozen payments for XXXX so that the refinance company could handle the situation with the refinance. I was called on the XXXX of XXXX stating that my monthly payment was due but explained that the refinance process has started and may be taking some time to fully process. There were no issues until the XXXX of XXXX when I receive a call that a new amount, XXXX was due by the end of the day. I was informed this was because of a shortage due to a tax disbursement. I verified with multiple agents at " lakeview loan servicing - mr.cooper '' that this was the correct amount. I discussed with two online assistants about where the payment came from and if the two companies, " lakeview loan servicing - mr. XXXX '' and " village capital and investments '' had ever discussed this payment. When given information about contact to " village capital and investment, '' I was told that there was no communication between the two companies. They said that " village capital and investments '' should have been notified by them about making this disbursement payment, however in the next line, they say that they didn't have to notify them about it since the payoff had not been made. So they neglected to make them aware of this. There was absolutely no way any party would have had this knowledge except for them. 

They also said that I could have made the note to stop this disbursement instead since taxes were always due in XXXX, something that I was unaware of as I haven't been with the company for more than a year. 

I checked each tab to find the monetary amounts and not one of them shows this XXXX number so there was no way that I could have known. Now I have to make this payment when I don't have the money otherwise the settlement will not process. I will find a way to make the payment today, the XXXX of XXXX. This has been an absolutely horrible experience with this company. Their negligence in their duties has caused me additional payments when the refinance was made to reduce the financial burden I was already suffering from.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
There are accounts on my credit report that do not belong to me, and this mix-up is hurting my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: TX

Complaint narrative:
It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.

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 2024-11-13 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: Experian Information Solutions Inc.
State: TX

Complaint narrative:
It is disheartening to come across an error indicating a late payment on my account, especially considering my consistent track record of meeting payment deadlines. This oversight is causing unnecessary stress, and I urge you to promptly correct it by ensuring my records accurately reflect my payment history.

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 2024-11-13 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH

Complaint narrative:
I am writing to dispute fraudulent information on my credit report pursuant to 15 U.S.C 1681c-2 and to request that this information be blocked. I have enclosed a copy my Report/FTC identity theft report ( FTC REPORT XXXX : XXXX ) to support my identity theft claim. Under 15 U.S.C. 1681c-2 when a consumer submits an identity theft report, credit reporting agencies must block any information identified by the consumer as resulting from identity theft within four business days. 
To following information on my credit report is the result of identity theft and should be blocked : Account Name : XXXX XXXX XXXX  Account Number : XXXX As required by 15 U.S.C 1681c-2, please block this fraudulent information from my credit report immediately. This information should be blocked for one year, at which point i may request an extension of the block. During the block, you may not report no longer contains any fraudulent information. Several times I have called the bureau reporting these fraudulent accounts in my report and CREDIT BUREAU has not wanted to give me a solution to this problem where I am being totally affected to be able to acquire a new house for my children, these collections were eliminated and not verified by others bureaus I don't understand how they usually say that these accounts are mine, I have requested contracts from this company with my information and for more than 60 days I have not received any response from them, please help me immediately delete these accounts. Here I add the FTC report, hoping that you make a better decision in my situation, 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 non-monetary relief
Consumer complaint received 2024-11-13 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: SUNRISE CREDIT SERVICES, INC
State: TX

Complaint narrative:
I terminated service with XXXX XXXX XXXX, and was wrongfully charged a non-return fee of equipment in the amount of {$160.00} on XX/XX/XXXX. My bank, XXXXXXXX XXXX conducted an investigation, filed XX/XX/XXXX, found my claim to be valid after submitting my equipment return receipt and on XX/XX/XXXX I was returned {$160.00}, plus interest in the amount of {$68.00} from XXXX XXXX XXXX for the inconvenience. My debt was then sold in XXXX to a debt collection agency, and it has been sold again and currently I am being harassed by XXXX XXXX XXXX, i am being called and texted everyday from XXXX. The Debt collection is no longer showing on my credit report, I am not sure if it was resolved by the credit services I hired a few months ago, or if I am just not seeing the full report. I just want to stop being harassed by these XXXX. It has negatively affected my life over the last year and knocked my XXXX XXXX into the upper XXXX, I am a student and was looking to purchase a vehicle and take out student loans and was completely unable to do so because of this fraudulent report of debt i never owed. It is completely unethical to leverage consumer debts as an asset to be sold after ripping them off and ruining their financial health. I would like to pursue legal action.

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 2024-11-13 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: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I have attached a copy of my report to this complaint on the following date ( XX/XX/year> ) .I 'm now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your understanding and prompt action.

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 2024-11-13 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
I recently reviewed my credit report and noticed an account that was not reporting accurately. I had one late payment on an account that was in fact paid on time. The consumer reporting agencies need to report all information with complete accuracy, this account has not been late on payments. I have attached a copy of my report to this complaint on the following date ( XX/XX/year> ) .I 'm now requesting you investigate this account and update this payment to be paid on time immediately. Thank you for your understanding and prompt action.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-11-13 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: Experian Information Solutions Inc.
State: PA

Complaint narrative:
I am writing to formally request, pursuant to my rights under Section 609 of the Fair Credit Reporting Act ( FCRA ), that you provide physical verification of the original signed consumer contracts for any and all accounts that are currently being reported on my credit file.

Specifically, I am requesting the following : 1. A copy of the original contract bearing my " wet ink '' signature for each account that is currently being reported on my credit report.

2. Physical verification that any and all accounts in my name were initiated by me with my full consent, and that you have the necessary documentation on file to support this.

If you are unable to provide the original signed contracts, I am demanding that the below accounts be immediately deleted from my credit file, as they are not properly verified as required under the FCRA. 

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