vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: CITIBANK, N.A.
State: CA

Complaint narrative:
XXXX, I was at XXXX XXXX ( a Best Buy company ) purchasing some appliances. I was in the process of opening a Citi Card with the company, but when I heard the full terms, I told them I was no longer interested, and asked them to cancel my application. They said OK. 

Not long after, I started receiving statements in the mail with charges to a card that I never opened. ( I never even received a card! ) I immediately contacted Citi to dispute the charges. I have never had possession or used this card. Citi has not resolved the issue and will not remove the charges. 

- Current account balance, with all finance charges, is : {$420.00}. 
- Account ending in 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 monetary relief
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX XXXX XXXX  XXXX, MA XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX, NY XXXX XXXX XXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XXXX XX/XX/2023

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 2024-03-05 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: Navient Solutions, LLC.
State: TX

Complaint narrative:
XXXX requesting for all student loan to be removed from my credit report per XXXX XXXX XXXX ( g ) XXXX XXXX XXXX ( a ) ( XXXX CFR XXXX ) and The Private Act Of 1974 ( XXXX )

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — Trying to communicate with the company to fix an issue related to modification, forbearance, short sale, deed-in-lieu, bankruptcy, or foreclosure
Company: Caliber Home Loans, Inc.
State: GA

Complaint narrative:
Hello, My husband and I were trying to get an equity loan four months ago. We were trying to refinance the mortgage. It was stated that the new possible loaner XXXX XXXX  needed 2015 mortgage statements from the previous servicer which is XXXX XXXX. Come to find no one can produce these pertinent documents thats suppose to be with our file. Caliber Home Loans could not be located ( it seems they disappeared, it seems they are fraudulent. XXXX XXXX were to obtain the entire file from Calibur and checked their entire bulk that was transferred before accepting our files. XXXX XXXX XXXX could not produce records from 2015 nor mortgage statements. It seems they are fraudulent as well. It was escalated to Ombudsman and then escalated again to Data Conversion Dept. and no one still could produce our 2015 information needed. Someone has to be accountable because we did not cause this problem. We need 2015 and this needs further investigation from Caliber. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 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: EQUIFAX, INC.
State: AL

Complaint narrative:
I am writing to dispute the presence of unauthorized inquiries on my credit report. Upon reviewing my credit report, I discovered inquiries that were not initiated or authorized by me. These unauthorized inquiries are unrelated to my financial activities and should not be associated with my credit history.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — Store credit card
Issue: Problem when making payments — Problem during payment process
Company: TD BANK US HOLDING COMPANY
State: RI

Complaint narrative:
I attempted to reach out to TD Retail card services on XXXX due to the company locking me out of my online account at their own error. I was left on hold for over XXXX minutes with XXXX resolution and there is no option to resolve this issue any other way. I reached out by email on Friday and received a call where I was told that someone from retail card services would need to help me. I received a call today during the work day which directed me back to the line where I was forced to stay on hold for an absurd amount of time. When I emailed back to request a call at a different time so that I could resolve the issue that they created, I received an email back stating that they could not help me. Customers should have a reasonable expectation of being able to be serviced without having to take a day out of work to wait on hold for a company that is so clearly just trying to stretch their dollar so far that they wont employ enough people to answer the phones. At this time I am left with no option to pay my bill and no resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Frontline Asset Strategies, LLC
State: FL

Complaint narrative:
In XX/XX/XXXX I received in my credit report an account that appears in collection with an opening date of XX/XX/XXXX. under the name of FRONTILINE ASSET STRATEGIES. 

I have never made an account with this company, so I kindly ask that this account be removed from my credit report. 

I am attaching a copy of the credit report where I demand that all the investigations be made and that all the laws imposed by the FCRA be complied with where the complete information of said account is shown which I do not have an account with XXXX. 

In the credit report, as you can see, neither the date of opening of that account, nor the payment history of this account appears. So I request that all the investigation be carried out and once completed, all the documentation is sent to me to verify said account since the account that appears in my report does not belong to me, much less I make any account opening in XXXX nor do I have a payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a company's investigation into an existing problem — Was not notified of investigation status or results
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
Kindly ensure the removal of inaccurate accounts listed on my credit report in accordance with FCRA 605B. It's causing me some discomfort, so could you please verify the documents?

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 2024-03-05 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:
I just looked over a copy of my credit report. It said that the credit inquiries mentioned below were the source of the credit inquiry. But I did not authorize these investigations. As these queries are negatively impacting my ability to obtain credit and apply for loans, kindly have them erased from my credit report. Additionally, send me any supporting documents you may have for this request. 
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 2024-03-05 00:00:00
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Ingenuity RM, LLC
State: ND

Complaint narrative:
I owed medical bills about $ XXXX have been paying bi-weekly {$100.00} since XXXX. Never missed a payment once, nor have I ever been late with XXXX payment. I asked if I can have my payments put on hold for XXXX months while I get back on my feet because I fell into hard times. Ingenuity RM told me that they would work with me but I'm at risk of going into wage garnishment if I didn't keep in contact with them in XXXX months. I NEVER received any paperwork in the mail or a phone call from Ingenuity RM stating they were going to start with garnishment. When I spoke with Ingenuity RM they stated that papers were filed and sent out XXXX month after I put payments on hold to start garnishing my wages when they clearly stated they would work with me and wait the XXXX months. I'm sure their calls are recorded. Also my employer didn't make me aware when they received papers. I was completely unaware of this. Today XX/XX/XXXX is the first time I was made aware of what is happening because I spoke with my employer and asked why so much was taken from my check. My employer responded " it's a garnishment from the state. '' When I got paid this last XXXX  XX/XX/XXXX my check was significantly lower than usual I never got any notification in the mail I was going to be garnished my employer never let me know and now Ingenuity RM is telling me it's too late they're going to continue to garnish my wages 25 % even though I already paid at least XXXX if not more. the amount of the debt I have owed in the first place was XXXX and something since I started making payments. they will not let me start a new payment plan even though they agreed to let me put my payments on hold for XXXX. Also they are not willing to drop garnishment to 10 %. Please help! I can not live off of the money I'm receiving now that they are taking a majority of my check. They take 25 % before federal and state taxes and XXXX, Social Security, my health-care medical from employer. Then I'm getting deducted from all of the other things I listed above. This shouldn't be legal. I've paid way more then the amount of debt owed XXXX And Ingenuity RM are saying I still owe $ XXXX. I'm not even sure how much interest I'm being charged on all of this everyday. I really need help moving forward. Please!

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC

Complaint narrative:
Kindly ensure the removal of inaccurate accounts listed on my credit report in accordance with FCRA 605B. It's causing me some discomfort, so could you please verify the documents?

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 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
Upon reviewing my credit report, I detected fraudulent accounts that were not a result of any error.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — I do not know
Issue: Written notification about debt — Notification didn't disclose it was an attempt to collect a debt
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
Kindly ensure the removal of inaccurate accounts listed on my credit report in accordance with FCRA 605B. It's causing me some discomfort, so could you please verify the documents?

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: CITIBANK, N.A.
State: FL

Complaint narrative:
Reviewing my credit report I observe that I have several inquiries in my report which I do not recognize or have I authorized to make, so I kindly request that they be removed from my credit report. 

XXXX XXXX CBNA CBNA, XXXX XXXX XXXX XXXX XXXX, SD XXXX XX/XX/2023 CBNA CBNA, XXXX XXXX XXXX, XXXX XXXX, SD XXXX XXXX XXXX CBNA CBNA, XXXX XXXX XXXX, XXXX XXXX, SD 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 2024-03-05 00:00:00
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Credit card company isn't resolving a dispute about a purchase on your statement
Company: AMERICAN EXPRESS COMPANY
State: CA

Complaint narrative:
Please send my earlier letter to Amex as its not a duplicate complaint and it is a response to Their inaccuracies in their letter.

I have called your CFPB office three times and after one hour was disconnected twice and no one has called me back? 
Please re open and send letter Amex dated XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
This is so annoying & frustrating. Ive sent Experian multiple letters that Im the one whos disputing the items that are UNKNOWN to me. In Experians responses that make the claim that have not initiated any disputes on my behalf due to the fraudulent or high risk nature, and the documents I provided have either been confirmed as fraudulent or deemed as high risk due to the potential for fraud. This is a complete joke. How in the world did they verify these claims? First of all, I know that under FCRA Section 619 Obtaining information under false pretenses that any person who knowingly and willfully obtains information on a consumer from a consumer reporting agency under false pretenses shall be fined under title 18 United States Code, imprisoned for not more than 2 years, or both. Most importantly, I never sent my documentation to anyone else as it deemed as high risk due to the potential for fraud. Also, according to FCRA 611 ( a ) ( 3 ) Determination That Dispute Is Frivolous or Irrelevant ( A ) a consumer reporting agency may terminate a reinvestigation of information disputed by a consumer under that paragraph if the agency reasonably determines that the dispute by the consumer is frivolous or irrelevant, including by reason of a failure by a consumer to provide sufficient information to investigate the disputed information. ( B ) Notice of determination. Upon making any determination in accordance with subparagraph ( A ) that a dispute is frivolous or irrelevant, a consumer reporting agency shall notify the consumer of such determination not later than 5 business days after making such determination, by mail or, if authorized by the consumer for that purpose, by any other means available to the agency. Again, under FCRA 617 Civil liability for negligent noncompliance [ 15 U.S.C. 1681o ] Any person who is negligent in failing to comply with any requirement imposed under this title with respect to any consumer is liable to that consumer in an amount equal to the sum of ( 1 ) any actual damages sustained by the consumer as a result of the failure; and ( 2 ) in the case of any successful action to enforce any liability under this section, the costs of the action together with reasonable attorneys fees as determined by the court. I need your help! As a consumer, I need to correct my credit file for my credit worthiness, credit standing, or credit capacity to obtain my rights and XXXX XXXX XXXX that has been XXXX. List of items that are UNKNOWN to me : XXXX XXXX XXXX Date opened XXXX XXXX, XXXX Balance {$0.00}, XXXX XXXX  XXXX Date Opened XX/XX/XXXX Balance {$21000.00}, and XXXX XXXX XXXX. XXXX Date Opened XX/XX/XXXX XXXX {$17000.00}. Please remove.

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 2024-03-05 00:00:00
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC.
State: MI

Complaint narrative:
I was checking on my XXXX report and while I was looking I noticed inquiries that are not mine on there

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2024-03-05 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: FL

Complaint narrative:
This is my several endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrongdoing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XXXX XXXXXXXX Balance Owed : {$890.00} XXXX XXXX XXXX XXXX XXXX XXXX Balance Owed XXXX {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX  XX/XX/2023 XXXX XX/XX/2023 XXXX XX/XX/2023 XXXX XXXX XX/XX/2023 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Balance Owed : {$280.00} XXXX XXXX XXXX Balance Owed : {$0.00} XXXX  XXXX XXXX Balance Owed : {$690.00} XXXX XXXX XX/XX/2023 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 2024-03-05 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: PA

Complaint narrative:
I am a victim of identity theft please remove this fraud inquiry from my credit report.

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 2024-03-05 00:00:00
Product: Checking or savings account — Savings account
Issue: Closing an account — Funds not received from closed account
Company: WELLS FARGO & COMPANY
State: OK

Complaint narrative:
Sometimes in XXXX, to the best of my memory, is when I closed a savings account that still had a monetary balance on it. 

Upon closing the account, I asked the banker to move the money into my checking account. He said he was. 

Eventually, I realized that the money was never moved into my checking account. 

I got in contact with Wells Fargo, and they claimed that they sent it in the mail. I emphasize that, if this was true, it was done without my permission and without my knowledge. 

Ever since then, I have been trying to recover the money, but they give me the runaround and avoid ever reimbursing it. 

They have told me multiple times that they were going to give me my money back, but they never have.

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 2024-03-05 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: DISCOVER BANK
State: LA

Complaint narrative:
Discover Bank has placed a ( XXXX XXXX XXXX ) on my consumer XXXX  report without my knowledge or written instructions prior to making such report.

Company response to consumer: Closed with explanation
Consumer complaint received 2024-03-05 00:00:00
Product: Debt collection — Auto debt
Issue: Communication tactics — Frequent or repeated calls
Company: CREDIT ACCEPTANCE CORPORATION
State: NE

Complaint narrative:
I am getting sometimes ten or more calls and voicemails daily. I have asked them to stop and they just change their phone number and call again.

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 2024-03-05 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: GA

Complaint narrative:
I called the credit reporting agencies letting them know the inquires and accounts on my credit profile were unauthorized. I Never gave them permission or consent to report them. This Aggravated identity theft. 

In accordance with the Fair Credit Reporting Act, the list of accounts has violated my federally protected consumer rights to privacy and confidentiality under the 15 USC 1681.

15 USC 1681 section 602 A states I have the right to privacy.

15 USC 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish accounts without my written instructions.

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