vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2022-01-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: U.S. BANCORP
State: FL

Complaint narrative:
I, XXXX XXXX XXXX, have been having a horrible time trying to get someone at U.S. Bank help me resolve the following situation. I initially opened my account through XXXX XXXX Bank ( who later became XXXX XXXX XXXX Bank XXXX XXXX I deposited 2 paychecks of equal amounts on XX/XX/2021, that due to accounting error from my employer, were returned for NSF. Well, the employer immediately corrected the error and issued replacement checks. I then tried to deposit the check back into my account and did not have the option anymore in the US Bank application. I called customer service, they said it was because my account had gone negative. They added that I needed to make a deposit in person or by ATM first, in order to recover access to the Application feature. Well, problem is, we live in Florida and there is absolutely no Branch and no USBank ATM at all in the entire State of Florida. The Banker on the phone then said to send it via XXXX. Well, my husband & I tried multiple times, and from multiple accounts, and all attempts were unsuccessful. After 2 weeks of trying, we called again, since we did not wanted that negative balance to be a problem and we now had a new check we wanted to mail in instead ( the others were deposited in a different account ). Well to our surprise, the new banker we spoke at that time, said the account was closed for suspiscion of fraudelent actions. Needless to say, we where astonished to hear that. We explained the entire situation. She said we needed to send an email explaining ourselves in order to avoid having my record tarnished with this action. We called 5 times since then, have argued with multiple people trying to resolve this matter, they all give us different information, no one give us the option to bring the balance current ( even their collections department told us they could not take the payment because the account came from XXXX XXXX Bank. It has been a nightmare. Weve asked 3 times to be contacted by a manager, but no one called.

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 2022-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: WELLS FARGO & COMPANY
State: FL

Complaint narrative:
XXXX A VICTIM OF IDENTITY THEFT, XXXX XXXX, XXXX EQUITY AND WELLSFARGO BANK

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 2022-01-17 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: TX

Complaint narrative:
I sent disputed to Transunion, XXXX and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2022-01-17 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: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OR

Complaint narrative:
I contacted XXXX, TransUnion and XXXX in XXXX of 2021 to ask them to properly verify information that was being shown incorrectly. The dates my account was late is entirely inaccurate. This account was closed months before the Charge off. 

I will assert my right to arbitration to remedy the credit bureau 's failure to furnish accurate information. It is my right at this point to have this information deleted from my credit report. 

If XXXX, TransUnion, and XXXX fail to do their part again, I'm ready to sue in small claims court because of my legal standing under 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 non-monetary relief
Consumer complaint received 2022-01-17 00:00:00
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Resurgent Capital Services L.P.
State: AZ

Complaint narrative:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AZ XXXX Sherman Originator XXXX, LLC/ Resurgent Capital Services XXXX XXXX XXXX XXXX  XXXX, XXXX XXXX SC XXXX RE : Account XXXX Sherman Originator XXXX  XXXX XXXX XXXX XXXX XXXX Resurgent Capital Services XXXX LVNV Funding, and ( unsure where debt is ) vs. XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. The thief ( s ) made fraudulent transactions and opened fraudulent accounts in my name with XXXX XXXX. I have been back and forth with several of XXXX XXXX  affiliates, and no one is telling the truth as to where this debt is. 

Im responding to XXXX  XXXX, Resurgent Capital Services, LVNV Fundings replies that Sherman Originator XXXX, LLC, an affiliate of all the above entities, owns this debt as of XX/XX/XXXX. I request proper validation, and I want to make a deal for the paid in full removal of this fraudulent debt as shown below so long as this debt is validated to be owned by Sherman Originator XXXX, LLC. Please note that I never opened or used this account, and I request a FAIR payment for removal. I have asked everyone where this debt is, and the last one to be named was on 6/10/2021, Sherman Originator XXXX, LLC. However, the phone number and later I found the address provided are for Resurgent Capital Services XXXX. With this in mind, Resurgent Capital Services stated that they no longer have this debt. If this debt is NOT with Sherman Originator XXXX, LLC, then who did they sell it to? I need to know to inquire further. 


Sherman Originator XXXX, LLC Please provide all records relating to the fraudulent transaction/account, including : Application records or screen prints of internet/phone applications ( I request all since I did not open this account ) Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at the above address. 


If you have any questions concerning this request, please contact me at the above address.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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 — Difficulty submitting a dispute or getting information about a dispute over the phone
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Hello, my name is XXXX XXXX XXXX and I am submitting this complaint on my own behalf- there is no third party involved. My SSN ends in XXXX. On XX/XX/XXXX, I Certified Mailed Equifax a copy of my FTC Identity Theft Report, Cover Letter, multiple proof of Identification docs, and a copy of my social security card. They instructed me to do this in order to remove the Fraudulent Auto Loan account ( XXXX acct. ending in XXXX ) and the unauthorized and fraudulent XXXX hard inquiry from XX/XX/XXXX. Upon receiving this, they violated 15 U.S. Code 1681c2 and did not block the account within 4 business days of receiving all of my proof of claim. So I called them to follow up about 2 weeks later, they told me that I had sent them everything they needed in order to remove the fraudulent items- but because of some sort of internal process malfunction, I had them send them the same exact packet AGAIN. I was very frustrated at their lack of ethics, integrity, and sheer violation of my federal rights ( civil liability of {$1000.00} per violation ). I, nonetheless, submitted the same packet to them- both via FAX and via CERTIFIED MAIL. In between the time I talked to them and sent my new info, I also received written PROOF that states they removed my XXXX hard inquiry- yet they did not. FRAUD! The fax arrived successfully on XX/XX/XXXX ( see attached exhibits for proof of this ), and the Certified mail arrived successfully on XXXX ( see attached exhibits for proof of return receipt ). Yet again, Equifax violated me and did not reach out, or make any corrections to my consumer credit reporting statement. So I called them AGAIN last week, and was told that they did NOT receive my fax, nor did they receive my CERTIFIED MAIL... Yet I have receipts of everything that I have stated today! I am ready to take serious legal action against Equifax at this point- as I have been violated under 15 U.S. Code 1681c2, 1692k, 1681b and more. None of my consumer information is even allowed to be publically furnished by Equifax without my express written permission- which I never consented to! I AM BEING VIOLATED AS A FEDERALLY PROTECTED CONSUMER!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
An unathorized person accessed my Wells Fargo checking account and made XXXX fraudulent transfers to another bank account. 

Posted Transactions XX/XX/21 BILL PAY XXXX XXXX XXXX CREDIT CARD ON-LINE XXXX {$990.00} XX/XX/21 BILL PAY XXXX XXXX XXXX CREDIT CARD XXXX XXXX {$990.00} XX/XX/21 BILL PAY XXXX XXXX XXXX CREDIT CARD XXXX XXXX {$990.00} XXXX filed a claimm on the XXXX with Wells Fargo 's fraud department. They denied my claim about ten business days later. 

Half my bank account is gone and I don't know what to do, 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 monetary relief
Consumer complaint received 2022-01-17 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: CITIBANK, N.A.
State: IL

Complaint narrative:
Hi, I received a call from XXXX XXXX on XX/XX/XXXX I thought it was scam callers so I blocked calls nearly Four calls from this number at later I received a call from XXXX he left a voice mail on my number that I am calling from Citibank call us back as unauthorized activity on your account. Soon after he left a message from ( XXXX hi I'm calling you this is XXXX from Citibank ). After a minute caller calls once again so I picked up he introduced himself as a Citibank fraud dept named XXXX Citi XXXX he took my social security number my date of birth, house address, my full card number from Citibank which XXXX XXXX expiration XX/XX/26 CVV XXXX after a minute my Citibank password was changed and I have no clue from there any fraud activity or charges were made the voice sounded like an XXXX call center where they were talking from behind plus coughing, I disconnected the call and called Citibank they said we don't have any issue on yr Bank account plz contact police report as identity theft as it is pretty serious where we don't know what will happen if u don't report any illegal activities might pop up on your name. My Citibank blocked my account XXXX and my debit card, they will be issuing me a new account. 
XXXX XXXX sheriff police report : XXXX The sheriff advised me to contact you guys as it is an urgent and sensitive matter that needs to be taken care of it. 
I would like to request you to catch the criminals as I would like to be on the safe side becz my life just started I don't want any bad remarks which will impact my medical career my Citibank account was hacked

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 2022-01-17 00:00:00
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with fees charged
Company: U.S. BANCORP
State: NY

Complaint narrative:
I had a 39 month vehicle lease with USBank from XXXX with a monthly payment of {$1500.00} which INCLUDED Taxes. ( NOT UP FRONT ) I then extended lease for an additional 6 months. I was advised that if additional taxes were due, they would be added to the payment. I told USBank that the original lease agreement included the finances and Tax included to equal {$1500.00}. That being said I did not believe that additional taxes would be applicable. Nevertheless USBank added {$130.00} to my current lease payment now totaling {$1700.00}. 
I contacted US Bank and they told me that I was obliged to pay the additional monthly tax of {$130.00} for the 6 month lease extension. Since they advised me this was a possibility I had no recourse. I then went to the original dealership finance officer and they agreed that US bank was charging me Double TAX, tax on the tax that was already included in the original payments. I was told by the dealership that US Bank was illegally taxing me on a payment that already included tax for the original lease agreement. US Bank still refused to change my monthly payment and Im reaching out to see CFPB because I feel that they are wrong and I SHOULD NOT BE CHARGED the additional {$130.00} a month but have paid to remain current. 
After the dealership and I exhausted our appeals I am reaching out to CFPB to 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 2022-01-17 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Cedars Business Services, LLC
State: DC

Complaint narrative:
On XX/XX/XXXX, I received an email from Cedars Business Services ( see attached file ) attempting to collect a debt of {$14.00} that the e-mail claimed is from XXXX -- a car rental service that I used in DC that has not done business in Washington XXXX DC for more than a year. I received similar emails from Cedars on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX ( today ). 

I have my records from XXXX, and I see no charge for {$14.00} and no unpaid charges. Their internal reference number is unique to this charge, I presume, but the account number does not correspond to my XXXX account. 

I spoke with the company this evening using the number provided in their emails ( XXXX ). They placed me on hold to find the records of the charge, and when the representative returned, he said that they would need more time and would email the proof of the charge to me within 7-10 business days. 

Thank you for your assistance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 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: TOYOTA MOTOR CREDIT CORPORATION
State: FL

Complaint narrative:
I'm the victim of identity theft. The credit bureaus have refused to correct my credit report even after I have sent supporting docs.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Other features, terms, or problems — Privacy issues
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
On XX/XX/2021, I logged into my Chase Credit Card account and when I was presented with my multi-factor auth screen, there was a phone number ending in digits that are not mine, and of a phone number that is not on my account. I called Chase at XXXX Eastern , and I was told that it was probably added by the Chase technical team who sometimes needs to do this for testing, and that it would be removed but to give it a few hours. This is deeply concerning to me, especially with how pervasive SIM swapping has become. 

I am reaching out to them again as it has not yet been resolved. 

In an industry with multiple regulatory standards such as banking, I am trying to understand how someone on the backend team as described by customer support could possibly have entitlements in their systems that allow multi-factor auth to be updated with phone numbers not added or requested by the customer. There is no way to know how pervasive it is, but it certainly raises questions about internal best practices and is deeply concerning to me as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: MI

Complaint narrative:
On XX/XX/XXXX Fed Loan Servicing transferred my Student Loan to a nw loan service provider ; consequently, they did so the day before my ACH pmt was set to debit my account. I have called Fed Loan as they deducted the money and never applied the XX/XX/XXXX pmt to my account balance prior to transfer. Pmt amount was {$140.00}, balance was {$23000.00} according to XXXX statement and credit reporting. XXXX the new service provider now has my account set up with a 27 past due delinquent status ; furthermore, will be taking a double pmt on XX/XX/XXXX. Fed loan had advised my money can sit in a pending transfer account for 60 days. I need fed loan to update the XXXX balance to reflect the pmt. {$23000.00} less {$140.00} XX/XX/XXXX pmt. I also would like interest daily for the error they should have foreseen.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-01-17 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: TRUIST FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have contacted Suntrust/ Truist Bank to update the comments in my account that states that I am participating in a credit counseling program. Creditors are denying me credit due to this comment. I have reached out to back in XX/XX/2021 and XX/XX/2021 to Suntrust/Truist by phone twice and by mail and to no avail. I have even spoke with the credit bureaus to update and no success. I had my loan modified back in XXXX after my son died as a XXXX and I underwent hardship in my family life. Please help!

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 2022-01-17 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: EQUIFAX, INC.
State: TX

Complaint narrative:
I sent disputed to XXXX, Equifax and XXXX for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made.

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-17 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Charged for a purchase or transfer you did not make with the card
Company: U.S. BANCORP
State: SC

Complaint narrative:
I received 2Prepaid gift cards that were XXXX  debit cards And registered them through XXXX XXXX XXXX. When checking my balance I realized that the cards had unauthorized purchases. I checked because when I tried to use the cards they were being rejected I tried to call unsuccessfully XXXX XXXX XXXX and it was put on hold for more than 30-40 minutes there is no other way for me to contact the company. If you need any other information let me know.

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